Greenup County property record for 903 McCowan St, Flatwoods, KY 41139 · Last verified November 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 3 Baths |
| Square Footage | 2,720 sqft Living Area |
| Lot Size | 25,700 sqft (0.589 acres) |
| Garage | Mixed, 616 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $130,000 (2004) |
| Tax Bill | $2,096.00 (2025) |
| Primary APN | 183-20-02-009.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,720 sqft Living Area |
| Basement Area | 420 sqft Basement |
| Family Room | Family Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Exterior Material | Brick Veneer Exterior |
|---|---|
| Foundation Type | Block Foundation |
| Roof Construction | Gable Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 25,700 sqft (0.589 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Mixed Garage |
| Garage Area | 616 sqft Garage |
| Deck Area | 216 sqft Deck |
| Porch | Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 7873 |
|---|---|
| Street Address | 903 MCCOWAN ST |
| City | FLATWOODS |
| State | KY |
| Zip | 41139-2030 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | JOEL MARTIN TRACT LT 02-03 |
| Legal Subdivision | JOEL MARTIN |
| Legal Lot Number | 2-3 3 |
| Jurisdiction | GREENUP KY |
| Minor Civil Division | FLATWOODS-RUSSELL |
| Census Blockgroup | 2 |
| Census Block | 2034 |
| Census Tract | 40202 |
Source: Greenup County records · APN 183-20-02-009.00
Assessment roll updated April 1, 2025 · Last verified November 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 File |
|---|---|
| Mailing Address | 903 MCCOWAN ST, FLATWOODS, KY 41139-2030 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 14, 2017 | Deed of Trust, Mortgage · Line of Credit COMMUNITY TRUST BANK INC |
| Feb 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 01, 2004 · Amount on Record |
| Deed Sale | Jan 01, 2004 · Amount on Record |
| Deed Doc Number | 0000508462 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENUP KY |
| Property Address | 903 MCCOWAN ST, FLATWOODS, KY 41139-2030 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000498940 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | M0912/0084 |
| Instrument | 498940 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | ASHLAND, KY 41101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Oct 17, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENUP KY |
| Property Address | 903 MCCOWAN ST, FLATWOODS, KY 41139-2030 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000536682 |
|---|---|
| Date | Feb 22, 2019 |
| Book Page | M937/447 |
| Instrument | 536682 |
| Name | COMMUNITY TRUST BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 01, 2039 |
| Rate Type | Adjustable Rate |
|---|
Source: Greenup County records · Assessment roll updated April 1, 2025 · Last verified November 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Greenup County |
| Municipality | Flatwoods City |
| Unified School District | Russell Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,096.00 (+1.95%) | $130,000 (-) Land $14,000 Building $116,000 | $130,000 (-) Land $14,000 Building $116,000 |
| 2023 | $2,056.00 | $130,000 Land $14,000 Building $116,000 | $130,000 Land $14,000 Building $116,000 |
903 McCowan St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Greenup County (21089C), updated September 29, 2014
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 37th in Kentucky |
|---|---|
| Wildfire Likelihood | Low — about 1 in 9,091 per year |
| Exposure | Indirect within ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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