896 Mack Fork Rd, Elkfork, KY 41421 Property Records

Morgan County property record for 896 Mack Fork Rd, Elkfork, KY 41421

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,200 sqft · built 2013
Lot Size	100 acres (4,356,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$765 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`152-00-00-006.00`

Property Details

APN / Parcel Number

Primary APN	`152-00-00-006.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area

Exterior

Year Built	Built 2013
Exterior Material	Baked Enamel
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,356,000 sqft (100 acres)
Terrain	Rolling
Garage Type	Mixed
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Street Address	896 MACK FORK RD
City	ELKFORK
State	KY
Zip	41421-8912
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LAND AND DW MH CONVERTED TO REAL ESTATE
Jurisdiction	MORGAN KY
Township / Civil Division	ELKFORK-OPHIR
Census Block Group	1
Census Block	1009
Census Tract	950100

Owner

Source: Morgan County records, as of November 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	896 MACK FORK RD, ELKFORK, KY 41421-8912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF GRAYSON
Jul 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF GRAYSON

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2000
Deed Sale	May 1, 2000
Deed Document Number	0000018541
Record Updated	Jun 8, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN KY
Property Address	896 MACK FORK RD, ELKFORK, KY 41421-8912
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MB186/0325
Date	Feb 28, 2017
Book Page	MB 186/0325

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	WEST LIBERTY, KY 41472

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN KY
Property Address	896 MACK FORK RD, ELKFORK, KY 41421-8912
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	896 MACK FORK RD, ELKFORK, KY 41421-8912

Mortgage

Document Number	000208/158
Date	Jul 29, 2021
Book Page	208/158
Instrument	83882

Lender

Name	FIRST NATIONAL BANK OF GRAYSON
Type	Bank
Address	WEST LIBERTY, KY 41472

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Morgan County
Unified School District	Morgan County School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$765.00 (-1.67%)	$62,500 (-)	$62,500 (-)
2023	$778.00	$62,500	$62,500

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 September 15, 2015 · 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	1 in force

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	Moderate above 48% of the US · above 74% of Kentucky
Wildfire Likelihood	0.1% 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	MORGAN COUNTY WATER DISTRICT serves 7,502 people · EPA ID KY0880594
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2025 Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mountain Rural Telephone Cooperative Fiber	2,000 / 2,000

Cell Coverage

No cell data coverage reported

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