6120 E Hwy 86, Custer, KY 40115 Property Records

Breckinridge County property record for 6120 E Hwy 86, Custer, KY 40115

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,204 sqft · built 1976
Lot Size	0.539 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$131,000 (Jan 2026)
Tax Bill	$484 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`147-20C`

Property Details

APN / Parcel Number

Primary APN	`147-20C`
Alternative APN	`26449`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area

Exterior

Year Built	Built 1976
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.539 acres)
Porch	Open Porch
Porch Area	168 sqft
Deck Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Space Heater
Heating Fuel	Wood

Location & Zoning

Account Number	26449
Street Address	6120 E HIGHWAY 86
City	CUSTER
State	KY
Zip	40115-5201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAND & HOUSE
Legal Subdivision	WILLIAM MORRIS
Jurisdiction	BRECKINRIDGE KY
Township / Civil Division	MCDANIELS-HUDSON
Census Block Group	1
Census Block	1029
Census Tract	960501

Owner

6120 E Hwy 86 is owned and occupied by an individual who bought it in January 2026.

Source: Breckinridge County records, as of February 17, 2026

Owner of Record	Individual Name on File
Mailing Address	6120 E HIGHWAY 86, CUSTER, KY 40115-5201
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE CECILIAN BANK
Jan 30, 2026	Warranty Deed, Transfer · Commercial Mortgage ROCKET MORTGAGE LLC
Jul 31, 2017	Deed, Transfer · Commercial Mortgage THE CECILIAN BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2026 · Amount on File
Deed Sale	Jan 30, 2026 · Amount on File
Prior Sale	Jul 31, 2017 · Amount on File
Deed Document Number	2020949820
Deed Book / Page	D480 / 220
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BRECKINRIDGE KY
Property Address	6120 E HIGHWAY 86, CUSTER, KY 40115-5201
Transaction Type	Mortgage
Record Updated	Feb 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6120 E HIGHWAY 86 F, F, CUSTER, KY 40115-5201

Mortgage

Document Number	00M546/180
Date	Jun 2, 2023
Book Page	M546/180
Instrument	2020916660

Lender

Name	THE CECILIAN BANK
Type	Bank
Address	HARDINSBURG, KY 40143

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	Jan 30, 2026
Property Address	6120 E HIGHWAY 86, CUSTER, KY 40115-5201
Document Number	00D480/220
Book / Page	D480 / 220
Map Reference	CAB B SL 99
Instrument Date	Jan 30, 2026
Instrument	2020949820
Transaction Type	Transfer
Record Updated	Feb 18, 2026
Title Company	AGENTS TITLE INC, AGENCY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14458 HIGHWAY 690, CUSTER, KY 40115-5603

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6120 E HIGHWAY 86, CUSTER, KY 40115-5201

Mortgage

Document Number	000M593633
Date	Jan 30, 2026
Instrument	M593/633

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BRECKINRIDGE KY
Recording Date	Jul 31, 2017
Property Address	6120 E HIGHWAY 86, CUSTER, KY 40115-5201
Document Number	000404/563
Book / Page	404 / 563
Instrument Date	Jul 28, 2017
Instrument	2017004773
Transaction Type	Transfer
Record Updated	Oct 3, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7126 E HIGHWAY 86, CUSTER, KY 40115-5211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6120 HWY 86, CUSTER, KY 40115-5201

Mortgage

Document Number	2017004774
Date	Jul 31, 2017
Instrument	2017004774

Lender

Name	THE CECILIAN BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Aug 7, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 6120 E Hwy 86 was $484.

Source: Breckinridge County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Breckinridge County
Unified School District	Breckinridge County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$484.00	$47,000 Land $5,000 Building $42,000	$47,000 Land $5,000 Building $42,000
2023	$474.00 (-0.63%)	$47,000 (-) Land $5,000 Building $42,000	$47,000 (-) Land $5,000 Building $42,000
2022	$477.00	$47,000 Land $5,000 Building $42,000	$47,000 Land $5,000 Building $42,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 6120 E Hwy 86 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 8, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 6120 E Hwy 86 is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARDINSBURG RO WTP serves 18,437 people · EPA ID KY0140966
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brandenburg Telecom Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Hwy 86

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