McCreary County property record for 656 Murphy Subdivision Rd, Stearns, KY 42647 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,824 sqft · built 1991 |
| Lot Size | 3.55 acres (154,638 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Oct 2021) |
| Tax Bill | $1,776 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 107-00-00-056.00 |
| Primary APN | 107-00-00-056.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Exterior Material | Other |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 154,638 sqft (3.55 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 1,240 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 286 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Street Address | 656 MURPHY SUBDIVISION RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6246 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2 TRACTS & HSE |
| Legal Tract | 2 |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2032 |
| Census Tract | 960302 |
Source: McCreary County records · APN 107-00-00-056.00
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | PO BOX 783, STEARNS, KY 42647-0783 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 19, 2021 · Amount on Record |
| Deed Sale | Oct 19, 2021 · Amount on Record |
| Deed Document Number | 135422 |
| Deed Book / Page | D227 / 523 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Oct 19, 2021 |
| Property Address | 656 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6246 |
| Document Number | 00D227/523 |
| Book / Page | D227 / 523 |
| Map Reference | DB 161 PG 675 |
| Instrument Date | Oct 14, 2021 |
| Instrument | 135422 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 656 MURPHY RD, STEARNS, KY 42647 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 783, STEARNS, KY 42647-0783 |
| Document Number | 0000135423 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 135423 |
| Name | UNITED CUMBERLAND BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 14, 2051 |
| Rate Type | Fixed Rate |
|---|
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 | $1,776.00 (-2.63%) | $270,000 (-) | $270,000 (-) |
| 2023 | $1,824.00 Homeowner's exemption | $270,000 | $270,000 |
Source: FEMA National Flood Hazard Layer, McCreary County (21147C), updated March 16, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Moderate above 64% of the US · above 80% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 459 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 7 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Highland Telephone Cooperative, Inc. (KY & TN) | Fiber | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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