791 E Waugh Rd, Olive Hill, KY 41164 Property Records

Carter County property record for 791 E Waugh Rd, Olive Hill, KY 41164

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,632 sqft · built 1940
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Tax Bill	$554 (2025)
Deeds & Mortgages	Sep 2024 Construction Loan Jan 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`043-10-17-004.01`

Property Details

APN / Parcel Number

Primary APN	`043-10-17-004.01`
Alternative APN	`34942`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,632 sqft Living Area
Basement Area	720 sqft
Unfinished Basement	720 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick Veneer
Lot Area	28,314 sqft (0.65 acres)

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	34942
Street Address	791 E WAUGH RD
City	OLIVE HILL
State	KY
Zip	41164-7957
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.65 ACRE
Jurisdiction	CARTER KY
Township / Civil Division	OLIVE HILL
Census Block Group	3
Census Block	3041
Census Tract	960200

Owner

Source: Carter County records, as of April 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	791 E WAUGH RD, OLIVE HILL, KY 41164-7957
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2024	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY TRUST BANK INC
Jan 22, 2024	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARTER KY
Property Address	791 E WAUGH RD, OLIVE HILL, KY 41164-7957
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000523/716
Date	Sep 5, 2024
Book Page	523/716
Instrument	1000449

Lender

Name	COMMUNITY TRUST BANK INC
Type	Bank
Address	PO BOX 2947, PIKEVILLE, KY 41502

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	371 Months
Due	Aug 23, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2032
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year CMT
Max Rate	12%

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	CARTER KY
Recording Date	Jan 22, 2024
Property Address	791 E WAUGH RD, OLIVE HILL, KY 41164-7957
Document Number	000512/304
Book / Page	512 / 304
Instrument Date	Jan 19, 2024
Instrument	987809
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	790 E WAUGH RD, OLIVE HILL, KY 41164-7957

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	790 E WAUGH RD, OLIVE HILL, KY 41164-7957

Tax Assessment & Valuation

Source: Carter County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Carter County
Municipality	Olive Hill City
Unified School District	Carter County School District (PK - 12)

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · 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	2 in force
Nearby Flood Claims	10 (2000–2015)
Claims Outside the SFHA	6 of 10
Most Recent Claim	Jul 2015 · Severe Storms, Tornadoes, Straight-line Winds, Flooding, Landslides, And Mudslide
Claims by Event	Severe Storms, Flooding, And Mudslides, Jul 2010 · 2 claims

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OLIVE HILL MUNICIPAL WATER WORKS serves 6,192 people · EPA ID KY0220335
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2018
Treatment and Procedure	Organic carbon removal Apr 2018
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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Windstream DSL	300 / 20

May also be available: T-Mobile.

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