649 Murphy Subdivision Rd, Stearns, KY 42647 Property Records

McCreary County property record for 649 Murphy Subdivision Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,272 sqft · built 1977
Lot Size	2.09 acres (91,476 sqft)
Owner	2 Individual Names on File
Tax Bill	$763 (2025)
Flood Zone	Zone X (minimal risk)
APN	`107-00-00-053.00`

Property Details

APN / Parcel Number

Primary APN	`107-00-00-053.00`
Alternative APN	`14486`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,272 sqft Living Area
Basement Area	1,272 sqft

Exterior

Year Built	Built 1977
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	91,476 sqft (2.09 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	72 sqft
Deck Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant
Water Source	Commercial

Location & Zoning

Street Address	649 MURPHY SUBDIVISION RD
City	STEARNS
State	KY
Zip	42647-6246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2032
Census Tract	960302

Owner

Source: McCreary County assessment roll, APN 107-00-00-053.00, as of 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	649 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6246
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Document Number	0000206790
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: McCreary County assessment roll as of July 1, 2025 · Last verified February 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$763.00 (-1.55%)	$95,000 (-)	$95,000 (-)
2023	$775.00	$95,000	$95,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McCreary County (21147C), as of March 16, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 81% of Kentucky
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 7 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Highland Telephone Cooperative, Inc. (KY & TN) Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0740276, 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

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 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.