McCreary County property record for 90 Phillips Ln, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,224 sqft · built 1978 |
| Lot Size | 20.6 acres (901,256 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $40,000 (Oct 2020) |
| Tax Bill | $1,012 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 105-00-00-006.00 |
| Primary APN | 105-00-00-006.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 3,224 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 901,256 sqft (20.6 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Driveway | Asphalt Driveway |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Water Source | Commercial |
| Street Address | 90 PHILLIPS LN |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6206 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 & HSE |
| Legal Subdivision | CORNER 1, IRON PIN |
| Legal Lot Number | 1 |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 960301 |
Source: McCreary County records, as of January 30, 2026
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 | 90 PHILLIPS LN, STEARNS, KY 42647-6206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2020 · Amount on Record |
| Deed Sale | Oct 8, 2020 · Amount on Record |
| Deed Document Number | 2020131982 |
| Deed Book / Page | 223 / 568 |
| Last Transfer Date | Dec 29, 2022 |
| Transfer Doc | 0000141386 |
| Record Updated | Sep 20, 2026 |
Source: McCreary County assessment roll, as of January 30, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | McCreary County |
| Unified School District | McCreary County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,012.00 (+210.43%) | $175,000 (+337.5%) | $175,000 (+337.5%) |
| 2023 | $326.00 Homeowner's exemption | $40,000 | $40,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 81% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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 62 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Highland Telephone Cooperative Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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