McCreary County property record for 71 Heath & Chestnut Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,231 sqft · built 1962 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Aug 2025) |
| Tax Bill | $1,366 (2025) |
| Deeds & Mortgages | Aug 2025 Line of Credit Aug 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-40-01-009.00 |
| Primary APN | 105-40-01-009.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Building Area | 1,231 sqft Living Area |
| Basement Area | 874 sqft |
| Family Room | Family Room |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1962 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 162 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Street Address | 71 HEATH CHESTNUT RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-5212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.17 AC & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 960301 |
Source: McCreary County records, as of January 29, 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 | Individual Name on File |
|---|---|
| Mailing Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2025 | Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV |
| Aug 12, 2025 | Warranty Deed, Transfer · FHA Mortgage T2 FINANCIAL LLC |
| Sep 23, 2024 | Warranty Deed, Transfer |
| Feb 13, 2023 | Warranty Deed, Transfer |
| Jul 15, 2014 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2025 · Amount on File |
| Deed Sale | Aug 12, 2025 · Amount on File |
| Prior Sale | Jul 15, 2014 |
| Deed Document Number | 00D242/210 |
| Deed Book / Page | D242 / 210 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Document Number | 00M257/145 |
|---|---|
| Date | Aug 18, 2025 |
| Book Page | M257/145 |
| Instrument | 155637 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Aug 12, 2025 |
| Property Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Document Number | 00D242/210 |
| Book / Page | D242 / 210 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 155589 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Title Company | IMAG TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6332 FACTOR AVE, LAS VEGAS, NV 89107-2544 |
| Name | Verified Name |
|---|---|
| Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Document Number | 00M257/125 |
|---|---|
| Date | Aug 18, 2025 |
| Book Page | M257/125 |
| Instrument | 155636 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTERVILLE, OH 43082 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Sep 23, 2024 |
| Property Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Document Number | 000D239/86 |
| Book / Page | D239 / 86 |
| Map Reference | MB 135 PG 105 |
| Instrument Date | Sep 23, 2024 |
| Instrument | 151418 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1646, WHITLEY CITY, KY 42653-1646 |
| Name | Verified Name |
|---|---|
| Address | 6332 FACTOR AVE, LAS VEGAS, NV 89107-2544 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Feb 13, 2023 |
| Property Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Document Number | 000D233/64 |
| Book / Page | D233 / 64 |
| Map Reference | DB 135 PG 105 |
| Instrument Date | Feb 10, 2023 |
| Instrument | 142690 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 912, STEARNS, KY 42647-0912 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 122, STEARNS, KY 42647-0122 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Jul 15, 2014 |
| Property Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Document Number | 00D203/734 |
| Book / Page | D203 / 734 |
| Instrument Date | Jul 7, 2014 |
| Instrument | 107897 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 71 HEATH CHESTNUT RD, STEARNS, KY 42647-5212 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 912, STEARNS, KY 42647-0912 |
Source: McCreary County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,366.00 (+26.36%) | $170,000 (+25.93%) | $170,000 (+25.93%) |
| 2024 | $1,081.00 (+89.32%) | $135,000 (+92.86%) | $135,000 (+92.86%) |
| 2023 | $571.00 | $70,000 | $70,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective March 16, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · above 79% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 | MCCREARY COUNTY WATER DISTRICT serves 34,439 people · EPA ID KY0740276 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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, 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 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Highland Telephone Cooperative Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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