McCreary County property record for 63 Culver Ln, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,824 sqft · built 1916 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,165 (2025) |
| Deeds & Mortgages | Oct 2010 Mortgage Jul 2005 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-40-04-038.00 |
| Primary APN | 105-40-04-038.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 2,824 sqft Living Area |
| Family Room | Family Room |
| Year Built | Built 1916 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 36,155 sqft (0.83 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 315 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 166 sqft |
| Deck Area | 594 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Street Address | 63 CULVER LN |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6409 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 & HSE |
| Legal Lot Number | 8 |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 960301 |
Source: McCreary County records · APN 105-40-04-038.00
Assessment roll updated July 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 63 CULVER LN, STEARNS, KY 42647-6409 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2010 | Deed of Trust, Mortgage ING BANK FSB |
| Jul 21, 2005 | Deed of Trust, Mortgage NAVY FEDERAL CREDIT UNION |
| Jan 23, 2009 | Deed of Trust, Mortgage STANLEY SUMNER & JEWEL DEAN SUMNER |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000171426 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 63 CULVER LN, STEARNS, KY 42647-6409 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000180/313 |
|---|---|
| Date | Oct 22, 2010 |
| Book Page | 180/313 |
| Instrument | 95866 |
| Name | ING BANK FSB |
|---|---|
| Address | 30 7TH AVE S, SAINT CLOUD, MN 56301 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Oct 28, 2015 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 63 CULVER LN, STEARNS, KY 42647-6409 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000140/732 |
|---|---|
| Date | Jul 21, 2005 |
| Book Page | 140/732 |
| Instrument | 77615 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|---|
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | Jul 01, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 63 CULVER LN, STEARNS, KY 42647-6409 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 24934 GREENSBRIER DR, STEVENSON RANCH, CA 91381-1830 |
| Document Number | 000171/426 |
|---|---|
| Date | Jan 23, 2009 |
| Book Page | 171/426 |
| Instrument | 89705 |
| Name | STANLEY SUMNER & JEWEL DEAN SUMNER |
|---|---|
| Type | Private Party |
| Address | PO BOX 28, WHITLEY CITY, KY 42653 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 15, 2024 |
Source: McCreary County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,165.00 (+64.32%) | $145,000 (+66.67%) | $145,000 (+66.67%) |
| 2023 | $709.00 | $87,000 | $87,000 |
Source: FEMA National Flood Hazard Layer as of March 16, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Moderate above 47% of the US · above 74% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Highland Telephone Cooperative, Inc. (KY & TN) Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: T-Mobile USA.
Based on FCC filings for 141 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MCCREARY COUNTY WATER DISTRICT serves 34,439 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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