645 Old Fox Rd, Irvine, KY 40336 Property Records

Estill County property record for 645 Old Fox Rd, Irvine, KY 40336

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,912 sqft
Lot Size	49.1 acres (2,140,538 sqft)
Owner	2 Individual Names on File
Tax Bill	$465 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jan 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`039-00-00-076.00`

Property Details

APN / Parcel Number

Primary APN	`039-00-00-076.00`
Alternative APN	`29421 1`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,912 sqft Building Perimeter
Basement Area	648 sqft
Unfinished Basement	648 sqft

Exterior

Roof Type	Gable
Lot Area	2,140,538 sqft (49.1 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	29421 1
Street Address	645 OLD FOX RD
City	IRVINE
State	KY
Zip	40336-9099
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	645 OLD FOX RD 2 TRACTS & HOUSE & IMP
Legal Tract	2
Legal Lot Number	A
Jurisdiction	ESTILL KY
Township / Civil Division	IRVINE
Census Block Group	1
Census Block	1008
Census Tract	920201

Owner

645 Old Fox Rd, a rural home, is owned by two individuals who acquired it in May 1990.

Source: Estill County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	805 OLD FOX RD, IRVINE, KY 40336-9065
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOUTHERN NATIONAL BANK
Jan 8, 2018	Deed of Trust, Mortgage · Construction Mortgage FIRST SOUTHERN NATIONAL BANK
Feb 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL KENTUCKY AGRI CREDIT
Dec 8, 2020	Deed, Transfer · Conventional Mortgage CENTRAL KENTUCKY AG CREDIT
Oct 29, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 3, 1990
Transfer Doc	296/85
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESTILL KY
Property Address	645 OLD FOX RD, IRVINE, KY 40336-9099
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	UNKNOWN, LAND GROUP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 GLASSON CT, HENDERSONVILLE, NC 28792-7108

Mortgage

Document Number	00ME13/334
Date	Jan 5, 2026
Book Page	ME13/334
Instrument	256633

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Nov 1, 2055

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESTILL KY
Property Address	645 OLD FOX RD, IRVINE, KY 40336-9099
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MR10/369
Date	Jan 8, 2018
Book Page	MR10/369
Instrument	240474

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	LANCASTER, KY 40444

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	203 Months
Due	Dec 28, 2034

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESTILL KY
Property Address	645 OLD FOX RD, IRVINE, KY 40336-9099
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MR10/356
Date	Jan 8, 2018
Book Page	MR10/356
Instrument	240473

Lender

Name	FIRST SOUTHERN NATIONAL BANK
Type	Bank
Address	LANCASTER, KY 40444

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	3 Months
Due	Apr 3, 2018

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESTILL KY
Property Address	645 OLD FOX RD, IRVINE, KY 40336-9099
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MP11/484
Date	Feb 6, 2021
Book Page	MP11/484
Instrument	249768

Lender

Name	CENTRAL KENTUCKY AGRI CREDIT
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	288 Months
Due	Nov 24, 2044

Interest

Rate Type	Fixed Rate

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	ESTILL KY
Recording Date	Dec 8, 2020
Property Address	645 OLD FOX RD, IRVINE, KY 40336-9099
Document Number	D331/33
Book / Page	D331 / 33
Map Reference	CAB 3 SL 712
Instrument Date	Nov 24, 2020
Instrument	249294
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$98.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	530 CROOKED CREEK RD, 530, IRVINE, KY 40336-8968

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 KING LUKE CT, BEREA, KY 40403-8757

Mortgage

Document Number	249295MN11712
Date	Dec 8, 2020
Instrument	249295MN11712

Lender

Name	CENTRAL KENTUCKY AG CREDIT

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ESTILL KY
Recording Date	Oct 29, 2019
Property Address	645 OLD FOX RD, IRVINE, KY 40336-9099
Document Number	D326/528
Book / Page	D326 / 528
Map Reference	DB 296 PG 85
Instrument Date	Oct 29, 2019
Instrument	245827
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	915 E ST NW # NW807, 915, WASHINGTON, DC 20004-2006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 CROOKED CREEK RD, IRVINE, KY 40336-8968

Tax Assessment & Valuation

The 2025 property tax bill for 645 Old Fox Rd was $465.

Source: Estill County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$10,000 (-77.27%) Land $10,000	$10,000 (-9%) Land $10,000
2025	$465.00	$44,000 Land $44,000	$100,000 Land $100,000
2023	$474.00	$44,000 Land $44,000	$44,000 Land $44,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 645 Old Fox Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 24, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 645 Old Fox Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 66% of Kentucky
Wildfire Likelihood	0.04% 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	ESTILL CO WATER DISTRICT serves 9,501 people · EPA ID KY0330123
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021
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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000

May also be available: Irvine Community Television.

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