815 W 4th St, Corbin, KY 40701 Property Records

Whitley County property record for 815 W 4th St, Corbin, KY 40701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,624 sqft
Lot Size	0.87 acres (37,897 sqft)
Owner	Company Name on File
Last Sale	$676 (Sep 2023)
Tax Bill	$839 (2025)
Deeds & Mortgages	Jul 2026 Construction Loan Oct 2024 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`137-20-13-001.00`

Property Details

APN / Parcel Number

Primary APN	`137-20-13-001.00`
Alternative APNs	`137873` `22972`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,624 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Exterior Material	Other
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,897 sqft (0.87 acres)
Terrain	Rolling
Driveway	Gravel Driveway
Porch	Slab
Porch Area	304 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	815 W 4TH ST
City	CORBIN
State	KY
Zip	40701-1732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1 ST VINYL HS & LTS 16-1 PT 18 @ MCHARGUE ADD
Legal Subdivision	MCHARGUE ADD
Legal Lot Number	16-17
Jurisdiction	WHITLEY KY
Township / Civil Division	CORBIN
Census Block Group	2
Census Block	2029
Census Tract	920100

Owner

815 W 4th St is owned by a company that bought it in September 2023.

Source: Whitley County records, as of July 21, 2026

Owner of Record	Company Name on File
Mailing Address	208 S MAIN ST, CORBIN, KY 40701-1456
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2026	Deed of Trust, Mortgage · Construction Mortgage MONTICELLO BANKING COMPANY
Oct 31, 2024	Deed of Trust, Mortgage · Construction Mortgage MONTICELLO BANK COMPANY
Oct 31, 2024	Deed of Trust, Mortgage · Construction Mortgage MONTICELLO BANKING CO
May 27, 2025	Warranty Deed, Transfer · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023 · Amount on File
Deed Sale	Sep 21, 2023 · Amount on File
Deed Document Number	2023299919
Deed Book / Page	75 / 716
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Recording Date	Jul 2, 2026
Property Address	815 W 4TH ST, CORBIN, KY 40701-1732
Document Number	0000366890
Book / Page	744 / 228
Instrument Date	Jun 18, 2026
Instrument	2026366890
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000366890,
Date	Jul 2, 2026
Book Page	744/228
Instrument	2026366890

Lender

Name	MONTICELLO BANKING COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 18, 2027

Interest

Rate	6.51%
Max Rate	-1%

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	815 W 4TH ST, CORBIN, KY 40701-1732
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M721/754
Date	Oct 31, 2024
Book Page	M721/754
Instrument	325486

Lender

Name	MONTICELLO BANK COMPANY
Address	MONTICELLO, KY 42633

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Sep 13, 2025

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHITLEY KY
Property Address	815 W 4TH ST, CORBIN, KY 40701-1732
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	UNKNOWN, KY MTN LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M721/747
Date	Oct 31, 2024
Book Page	M721/747
Instrument	325485

Lender

Name	MONTICELLO BANKING CO
Type	Bank
Address	MONTICELLO, KY 42633

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Sep 13, 2025

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHITLEY KY
Recording Date	May 27, 2025
Property Address	815 W 4TH ST, CORBIN, KY 40701-1732
Document Number	00D586/723
Book / Page	D586 / 723
Map Reference	CAB 1 SL 22
Instrument Date	May 20, 2025
Instrument	336779
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	208 S MAIN ST, CORBIN, KY 40701-1456

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	75 BEVERLY RD, CORBIN, KY 40701-8102

Mortgage

Document Number	0000336780
Date	May 27, 2025
Instrument	336780

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2040
Change Frequency	10 Years
Min Rate At Change	7.25%
Max Rate At Change	13.2%
Index	10-Year TN
Margin	3
Max Rate	13.2%

Tax Assessment & Valuation

The 2025 property tax bill for 815 W 4th St was $839, up 138.4% from the year before.

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

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Corbin City
County	Whitley County
Unified School District	Corbin Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$839.00 (+138.35%)	$259,000 (+142.06%)	$259,000 (+142.06%)
2024	$352.00 (-2.22%)	$107,000 (-)	$107,000 (-)
2023	$360.00	$107,000	$107,000

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

Flood

FEMA maps place 815 W 4th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective May 17, 2021 · 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 Claims	2 (1998)
Most Recent Claim	Apr 1998 · Severe Storms, Tornadoes,and Flooding
Claims by Event	Severe Storms, Tornadoes,and Flooding, Apr 1998 · 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

Wildfire risk around 815 W 4th St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 66% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	CORBIN UTILITIES COMMISSION serves 16,065 people · EPA ID KY1180085
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	2 ppb (2025–2027) 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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Zetalink Fixed Wireless	200 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: OnPoint Broadband.

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