85 Culver Ln, Stearns, KY 42647 Property Records

McCreary County property record for 85 Culver Ln, Stearns, KY 42647

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,320 sqft · built 1974
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Sep 2024)
Tax Bill	$1,688 (2025)
Deeds & Mortgages	Sep 2024 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`105-40-04-040.00`

Property Details

APN / Parcel Number

Primary APN	`105-40-04-040.00`
Alternative APN	`15030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Family Room	Family Room

Exterior

Year Built	Built 1974
Exterior Material	Other
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	58,806 sqft (1.35 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Water Source	Commercial

Location & Zoning

Street Address	85 CULVER LN
City	STEARNS
State	KY
Zip	42647-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 6 & 7 & HSE & GAR
Legal Lot Number	6-7
Jurisdiction	MCCREARY KY
Township / Civil Division	STEARNS-WHITLEY CITY
Census Block Group	2
Census Block	2001
Census Tract	960301

Owner

85 Culver Ln is owned and occupied by an individual who bought it in September 2024.

Source: McCreary County records, as of January 29, 2026

Owner of Record	Individual Name on File
Mailing Address	85 CULVER LN, STEARNS, KY 42647-6409
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2024	Warranty Deed, Transfer · USDA Mortgage EQUITY PRIME MORTGAGE LLC
Mar 16, 2020	Deed, Transfer · Conventional Mortgage CEFCU
Oct 29, 2019	Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HOUSING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2024 · Amount on File
Deed Sale	Sep 10, 2024 · Amount on File
Prior Sale	Mar 16, 2020 · Amount on File
Deed Document Number	151147
Deed Book / Page	D238 / 788
Record Updated	Jun 8, 2026

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCREARY KY
Recording Date	Sep 10, 2024
Property Address	85 CULVER LN, STEARNS, KY 42647-6409
Document Number	00D238/788
Book / Page	D238 / 788
Map Reference	MB 1 PG 27
Instrument Date	Sep 6, 2024
Instrument	151147
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	KENTUCKY MOUNTAIN LAND TITLE INC, KENTUCKY MOUNTAIN LAND TTL I

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3777 ENSLEY ST, LAFAYETTE, IN 47909-8386

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 CULVER LN, STEARNS, KY 42647-6409

Mortgage

Document Number	0000151148
Date	Sep 10, 2024
Instrument	151148

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2054

March 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	MCCREARY KY
Recording Date	Mar 16, 2020
Property Address	85 CULVER LN, STEARNS, KY 42647-6409
Document Number	0000D222/4
Book / Page	D222 / 4
Map Reference	DB 220 PG 574
Instrument Date	Mar 12, 2020
Instrument	130365
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	85 CULVER LN, STEARNS, KY 42647-6409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	201 BOX HALL CT, JACKSONVILLE, FL 32259-3038

Mortgage

Document Number	00M224/149
Date	Mar 16, 2020
Book Page	M224/149
Instrument	130366

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2035

Interest

Rate Type	Fixed Rate

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCREARY KY
Recording Date	Oct 29, 2019
Property Address	85 CULVER LN, STEARNS, KY 42647-6409
Document Number	00D220/547
Book / Page	D220 / 547
Map Reference	DB 87 PG 522
Instrument Date	Oct 25, 2019
Instrument	129177
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	80 CULVER LN, STEARNS, KY 42647-6409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 CULVER LN, STEARNS, KY 42647-6409

Mortgage

Document Number	00M221/679
Date	Oct 29, 2019
Book Page	M221/679
Instrument	129178

Lender

Name	KENTUCKY HOUSING CORP
Type	Government Agency

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 85 Culver Ln was $1,688.

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	$1,688.00	$210,000	$210,000
2023	$600.00 Homeowner's exemption	$120,000	$120,000

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

Flood

FEMA maps place 85 Culver Ln in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 85 Culver Ln is moderate, ranking above 47% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 47% of the US · above 74% of Kentucky
Wildfire Likelihood	0.1% 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	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 141 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

May also be available: T-Mobile.

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