720 Murphy Subdivision Rd, Stearns, KY 42647 Property Records

McCreary County property record for 720 Murphy Subdivision Rd, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	2,600 sqft · built 1994
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Aug 2023)
Tax Bill	$2,170 (2025)
Deeds & Mortgages	Jun 2006 Mortgage Feb 2006 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`107-00-00-060.00`

Property Details

APN / Parcel Number

Primary APN	`107-00-00-060.00`
Alternative APN	`11590`

Interior

Stories	2 Stories
Building Area	2,600 sqft Living Area
Basement Area	960 sqft

Exterior

Year Built	Built 1994
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Attached
Garage Area	816 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Water Source	Commercial

Location & Zoning

Street Address	720 MURPHY SUBDIVISION RD
City	STEARNS
State	KY
Zip	42647-6133
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.40 AC & HSE
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2032
Census Tract	960302

Owner

Source: McCreary County records, as of February 2, 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 Record
Mailing Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2006	Deed of Trust, Mortgage WILMINGTON FINANCE INC
Feb 17, 2006	Deed of Trust, Mortgage JPMORGAN CHASE BANK NA
Jun 4, 2007	Deed of Trust, Mortgage CITIBANK NA
Aug 7, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jul 15, 2022	Deed, Transfer · Conventional Mortgage COMMUNITY TRUST BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2023 · Amount on Record
Deed Sale	Aug 7, 2023 · Amount on Record
Prior Sale	Jul 15, 2022 · Amount on Record
Deed Document Number	145174
Deed Book / Page	D234 / 581
Record Updated	Jun 8, 2026

June 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000148/622
Date	Jun 2, 2006
Book Page	148/622
Instrument	80483

Lender

Name	WILMINGTON FINANCE INC
Address	401 PLYMOUTH RD STE 400, PLYMOUTH MEETING, PA 19462

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2036

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133

Mortgage

Document Number	000146/330
Date	Feb 17, 2006
Book Page	146/330
Instrument	79571

Lender

Name	JPMORGAN CHASE BANK NA
Address	1111 POLARIS PKWY, COLUMBUS, OH 43240

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 12, 2036

June 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCREARY KY
Property Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000158/271
Date	Jun 4, 2007
Book Page	158/271
Instrument	83800

Lender

Name	CITIBANK NA
Address	3900 PARADISE RD # 127, LAS VEGAS, NV 89169

Agreement

Amount	Amount Recorded
Term	119 Months
Due	May 25, 2017

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCREARY KY
Recording Date	Aug 7, 2023
Property Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133
Document Number	00D234/581
Book / Page	D234 / 581
Map Reference	DB 230 PG 599
Instrument Date	Jul 28, 2023
Instrument	145174
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	IMAG TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133

Mortgage

Document Number	0000145175
Date	Aug 7, 2023
Instrument	145175

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Jul 15, 2022
Property Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133
Document Number	00D230/599
Book / Page	D230 / 599
Map Reference	DB 146 PG 495
Instrument Date	May 17, 2022
Instrument	138936
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4012 TIDAL WAVE RD, CORBIN, KY 40701-8432

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	720 MURPHY SUBDIVISION RD, STEARNS, KY 42647-6133

Mortgage

Document Number	0000138937
Date	Jul 15, 2022
Instrument	138937

Lender

Name	COMMUNITY TRUST BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: McCreary County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,170.00 (+0.37%)	$270,000 (-)	$270,000 (-)
2024	$2,162.00 (+15.25%)	$270,000 (+17.39%)	$270,000 (+17.39%)
2023	$1,876.00	$230,000	$230,000

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 March 16, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 60% 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.

Drinking Water

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

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, 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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Highland Telephone Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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