899 Low Gap Rd, Irvine, KY 40336 Property Records

Estill County property record for 899 Low Gap Rd, Irvine, KY 40336

Property Summary

Property Type	Single Family Home
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on Record
Last Sale	$234,000 (Jun 2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`016-00-00-020.18`

Property Details

APN / Parcel Number

Primary APN	`016-00-00-020.18`
Alternative APN	`32971 2`

Exterior

Lot Area	39,640 sqft (0.91 acres)

Location & Zoning

Account Number	32971 2
Street Address	899 LOW GAP RD
City	IRVINE
State	KY
Zip	40336-8891
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	899 LOW GAP RD LOT 7
Legal Subdivision	NOLAND SUBD
Legal Lot Number	7
Jurisdiction	ESTILL KY
Township / Civil Division	WINSTON-WEST IRVINE
Census Block Group	2
Census Block	2013
Census Tract	920302

Owner

Source: Estill County records, as of October 20, 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	899 LOW GAP RD, IRVINE, KY 40336-8891
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed, Transfer · FHA Mortgage DFT2 FINANCIAL LLC
Nov 17, 2025	Deed of Trust, Mortgage · Commercial Mortgage PBT BANCORP
Feb 3, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on Record
Deed Sale	Jun 4, 2026 · Amount on Record
Deed Document Number	2026262054
Deed Book / Page	354 / 789
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ESTILL KY
Recording Date	Jun 4, 2026
Property Address	899 LOW GAP RD, IRVINE, KY 40336-8891
Document Number	0000262054
Book / Page	354 / 789
Instrument Date	May 29, 2026
Instrument	2026262054
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	LAND GROUP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23,634.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	899 LOW GAP RD, IRVINE, KY 40336-8891
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002055,
Date	Jun 4, 2026
Instrument	20262055

Lender

Name	DFT2 FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESTILL KY
Property Address	899 LOW GAP RD, IRVINE, KY 40336-8891
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3069 WHITE OAK ROAAD, IRVINE, KY 40336-7770

Mortgage

Document Number	00MD13/123
Date	Nov 17, 2025
Book Page	MD13/123
Instrument	254992

Lender

Name	PBT BANCORP
Type	Non-Lending Institution
Address	IRVINE, KY 40336

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 12, 2026

February 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	ESTILL KY
Recording Date	Feb 3, 2025
Property Address	899 LOW GAP RD, IRVINE, KY 40336-8891
Document Number	00D349/616
Book / Page	D349 / 616
Map Reference	MB 3 PG 69
Instrument Date	Jan 13, 2025
Instrument	265431
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$13.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 TIMBERWOOD WAY, IRVINE, KY 40336-2006

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3059 WHITE OAK RD, IRVINE, KY 40336-7770

Tax Assessment & Valuation

Source: Estill County assessment roll, as of November 7, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Estill County
Unified School District	Estill County School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$265,000 (+1,938.46%) Land $265,000	$265,000 (+1,938.46%) Land $265,000
2025	$13,000 Land $13,000	$13,000 Land $13,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 24, 2011

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

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

Wildfire Risk	Moderate above 42% of the US · above 73% of Kentucky
Wildfire Likelihood	0.09% 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	ESTILL CO WATER DISTRICT serves 9,501 people · EPA ID KY0330123
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Apr 2021
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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	25 / 3

May also be available: Irvine Community Television.

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