685 McCraw Rd, Herndon, KY 42236 Property Records

Christian County property record for 685 McCraw Rd, Herndon, KY 42236

Property Summary

Property Type	Rural Home
Details	1,536 sqft · built 2011
Lot Size	96.7 acres (4,212,644 sqft)
Owner	2 Individual Names on Record
Last Sale	$469,000 (Oct 2025)
Tax Bill	$4,149 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jul 2026 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-00 00 021.00`

Property Details

APN / Parcel Number

Primary APN	`054-00 00 021.00`
Alternative APN	`579359501`

Interior

Stories	2 Stories
Building Area	1,536 sqft Heated Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Metal
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Metal
Lot Area	4,212,644 sqft (96.7 acres)
Garage Type	Attached
Driveway	Gravel Driveway
Parking Spaces	2 Parking Spaces
Milk House	6,988 sqft
Silo	Silo

Utilities, Heating & Cooling

Cooling System	None
Heating System	Wood Furnace
Heating Fuel	Wood

Location & Zoning

Account Number	579359501
Street Address	685 MCCRAW RD
City	HERNDON
State	KY
Zip	42236-8222
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	685 MCCRAW RD KING FARM
Legal Subdivision	MCCRAW
Jurisdiction	CHRISTIAN KY
Township / Civil Division	LAFAYETTE
Census Block Group	2
Census Block	2017
Census Tract	201400

Owner

Source: Christian County records, as of October 2, 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 Record
Mailing Address	285 MCCRAW RD, HERNDON, KY 42236
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK
Jul 10, 2026	Deed of Trust, Mortgage · Construction Mortgage INDEPENDENCE BANK
Jul 20, 2020	Deed of Trust, Construction Loan · Line of Credit INDEPENDENCE BK/KY
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BK/KY
Jul 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on Record
Deed Sale	Oct 20, 2025 · Amount on Record
Deed Document Number	202510068944
Deed Book / Page	831 / 635
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN KY
Recording Date	Sep 22, 2026
Property Address	685 MCCRAW RD, HERNDON, KY 42236-8222
Document Number	0010078226
Book / Page	1960 / 343
Instrument Date	Sep 4, 2026
Instrument	202610078226
Transaction Type	Mortgage
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 MCCRAW RD, HERNDON, KY 42236-8222

Mortgage

Document Number	0010078226,
Date	Sep 22, 2026
Book Page	1960/343
Instrument	202610078226

Lender

Name	INDEPENDENCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 4, 2031

Interest

Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN KY
Recording Date	Jul 10, 2026
Property Address	685 MCCRAW RD, HERNDON, KY 42236-8222
Document Number	0010075692
Book / Page	1945 / 658
Instrument Date	May 15, 2026
Instrument	202610075692
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 MCCRAW RD, HERNDON, KY 42236-8222

Mortgage

Document Number	0010075692,
Date	Jul 10, 2026
Book Page	1945/658
Instrument	202610075692

Lender

Name	INDEPENDENCE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 15, 2027

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN KY
Recording Date	Jul 20, 2020
Property Address	685 MCCRAW RD, HERNDON, KY 42236-8222
Document Number	0016110021
Book / Page	001611 / 000021
Instrument Date	Jul 17, 2020
Instrument	10010294
Transaction Type	Construction Loan
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1300 LONG LN PEMBROKE KY 422668735, PEMBROKE, KY 42266-8735

Mortgage

Document Number	16110021
Date	Jul 20, 2020
Book Page	001611/000021
Instrument	10010294

Lender

Name	INDEPENDENCE BK/KY
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 19, 2021

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN KY
Property Address	685 MCCRAW RD, HERNDON, KY 42236-8222
Document Number	0016100716
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1300 LONG LN PEMBROKE KY 422668735, PEMBROKE, KY 42266-8735

Mortgage

Document Number	0016100716
Date	Jul 20, 2020
Book Page	001610/000716
Instrument	10010291

Lender

Name	INDEPENDENCE BK/KY
Type	Bank
Address	MURRAY, KY 42071

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 19, 2027

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHRISTIAN KY
Property Address	685 MCCRAW RD, HERNDON, KY 42236-8222
Document Number	0014850259
Book / Page	001485 / 000259
Instrument Date	Jul 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1300 LONG LN PEMBROKE KY 422668735, PEMBROKE, KY 42266-8735

Mortgage

Document Number	0014850259
Date	Jul 28, 2017
Book Page	001485/000259
Instrument	4969

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LOUISVILLE, KY 40232

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jul 27, 2024

Tax Assessment & Valuation

Source: Christian County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,149.00 (+33.49%)	$569,071 (+44.13%)	$569,071 (+44.13%)
2023	$3,108.00	$394,830	$394,830

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 17, 2020 · 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	5 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
energynet Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on McCraw Rd

Nearby Streets

All Herndon, KY Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures