Muhlenberg County property record for 822 Cherry St, Central City, KY 42330
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on File |
| Tax Bill | $580 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Feb 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 141-01-11-008.000 |
| Primary APN | 141-01-11-008.000 |
|---|---|
| Alternative APN |
|
| Account Number | 10617 |
|---|---|
| Street Address | 822 CHERRY ST |
| City | CENTRAL CITY |
| State | KY |
| Zip | 42330-1113 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT |
| Jurisdiction | MUHLENBERG KY |
| Township / Civil Division | CENTRAL CITY |
| Census Block Group | 3 |
| Census Block | 3028 |
| Census Tract | 960201 |
822 Cherry St is owned and occupied by two individuals.
Source: Muhlenberg County records, as of November 24, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 822 CHERRY ST, CENTRAL CITY, KY 42330-1113 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 16, 2026 | Deed of Trust, Mortgage · Line of Credit FARMERS BANK |
| Feb 15, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE BANK INC |
| Mar 10, 2020 | Deed of Trust, Mortgage · FmHA Mortgage FARMERS BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Deed Document Number | 0000537476 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MUHLENBERG KY |
| Recording Date | Sep 16, 2026 |
| Property Address | 822 CHERRY ST, CENTRAL CITY, KY 42330-1113 |
| Document Number | 0000363264 |
| Book / Page | 771 / 1212 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 2026363264 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 822 CHERRY ST, CENTRAL CITY, KY 42330-1113 |
| Document Number | 0000363264, |
|---|---|
| Date | Sep 16, 2026 |
| Book Page | 771/1212 |
| Instrument | 2026363264 |
| Name | FARMERS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 10, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MUHLENBERG KY |
| Property Address | 822 CHERRY ST, CENTRAL CITY, KY 42330-1113 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | M706/1485 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | M706/1485 |
| Instrument | 284380 |
| Name | FIRST STATE BANK INC |
|---|---|
| Type | Bank |
| Address | CENTRAL CITY, KY 42330 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Feb 5, 2029 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MUHLENBERG KY |
| Property Address | 822 CHERRY ST, CENTRAL CITY, KY 42330-1113 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | M714/749 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | M714/749 |
| Instrument | 290251 |
| Name | FARMERS BANK & TRUST |
|---|---|
| Type | Bank |
| Address | MARION, KY 42064 |
| Type | FmHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Mar 6, 2025 |
The 2025 property tax bill for 822 Cherry St was $580.
Source: Muhlenberg County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Central City |
| County | Muhlenberg County |
| Unified School District | Muhlenberg County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $580.00 | $62,500 | $62,500 |
| 2023 | $594.00 | $62,500 | $62,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 822 Cherry St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 16, 2013
| 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.
Wildfire risk around 822 Cherry St is low, with a 0.01% annual chance of 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 | 0.01% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CENTRAL CITY WATER & SEWER serves 5,601 people · EPA ID KY0890071 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2023 |
| 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 222 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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