Carter County property record for 645 E Waugh Rd, Olive Hill, KY 41164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 3,152 sqft · built 1909 |
| Lot Size | 1.66 acres (72,310 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $829 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043-10-00-024.00 |
| Primary APN | 043-10-00-024.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 3,152 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 72,310 sqft (1.66 acres) |
| View / Lot | Waterfront - Canal |
| Garage Type | Mixed |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 352 sqft |
| Total Buildings | 4 Buildings |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 7802 |
|---|---|
| Street Address | 645 E WAUGH RD |
| City | OLIVE HILL |
| State | KY |
| Zip | 41164 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.66 ACRES |
| Jurisdiction | CARTER KY |
| Township / Civil Division | OLIVE HILL |
| Census Block Group | 3 |
| Census Block | 3041 |
| Census Tract | 960200 |
Source: Carter County records, as of April 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 46, OLIVE HILL, KY 41164-0046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARTER KY |
| Property Address | 645 E WAUGH RD, OLIVE HILL, KY 41164 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | OR450/868 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | OR450/868 |
| Instrument | 496479 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jan 1, 2051 |
Source: Carter County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Carter County |
| Municipality | Olive Hill City |
| Unified School District | Carter County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $829.00 (+19.97%) | $146,360 (+15.61%) | $146,360 (+15.61%) |
| 2023 | $691.00 Homeowner's exemption | $126,600 | $126,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · 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 | 2 in force |
| Nearby Flood Claims | 10 (2000–2015) |
| Claims Outside the SFHA | 6 of 10 |
| Most Recent Claim | Jul 2015 · Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 66% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OLIVE HILL MUNICIPAL WATER WORKS serves 6,192 people · EPA ID KY0220335 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Oct 2018 |
|---|---|
| Treatment and Procedure | Organic carbon removal Apr 2018 |
| 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.
Source: FCC Broadband Data Collection, based on 181 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Windstream DSL | 300 / 20 |
May also be available: T-Mobile.
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