McCreary County property record for 91 Valley Rd, Stearns, KY 42647
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,404 sqft · built 1969 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $68,900 (Dec 2016) |
| Tax Bill | $328 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Aug 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 122-30-01-006.00 |
| Primary APN | 122-30-01-006.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 1,404 sqft Living Area |
| Basement Area | 756 sqft |
| Finished Basement | 756 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Other |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,928 sqft (0.71 acres) |
| Lot Width | 200 ft Width |
| Terrain | Rolling |
| Driveway | Gravel Driveway |
| Porch | Slab |
| Porch Area | 150 sqft |
| Cooling System | None |
|---|---|
| Heating Fuel | Electric |
| Water Source | Commercial |
| Street Address | 91 VALLEY RD |
|---|---|
| City | STEARNS |
| State | KY |
| Zip | 42647-6103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.71 AC & HSE |
| Jurisdiction | MCCREARY KY |
| Township / Civil Division | STEARNS-WHITLEY CITY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 960302 |
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 | 91 VALLEY RD, STEARNS, KY 42647-6103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 6, 2022 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Aug 8, 2025 | Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP |
| Sep 12, 2022 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2016 · Amount on Record |
| Deed Sale | Dec 27, 2016 · Amount on Record |
| Deed Document Number | 2016120856 |
| Deed Book / Page | 211 / 469 |
| Last Transfer Date | Sep 12, 2022 |
| Transfer Doc | 00D231/291 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 91 VALLEY RD, STEARNS, KY 42647-6103 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 00M238/776 |
|---|---|
| Date | May 6, 2022 |
| Book Page | M238/776 |
| Instrument | 137124 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCCREARY KY |
| Property Address | 91 VALLEY RD, STEARNS, KY 42647-6103 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 91 VALLEY RD, STEARNS, KY 42647-6103 |
| Document Number | 00M256/774 |
|---|---|
| Date | Aug 8, 2025 |
| Book Page | M256/774 |
| Instrument | 155510 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30342 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | MCCREARY KY |
| Recording Date | Sep 12, 2022 |
| Property Address | 91 VALLEY RD, STEARNS, KY 42647-6103 |
| Document Number | 00D231/291 |
| Book / Page | D231 / 291 |
| Map Reference | DB 63 PG 113 |
| Instrument Date | Sep 12, 2022 |
| Instrument | 139439 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 91 VALLEY RD, STEARNS, KY 42647-6103 |
| Name | Verified Name |
|---|---|
| Address | 91 VALLEY RD, STEARNS, KY 42647-6103 |
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 | $328.00 (-6.02%) | $90,000 (-) | $90,000 (-) |
| 2024 | $349.00 (-1.97%) | $90,000 (-) | $90,000 (-) |
| 2023 | $356.00 Homeowner's exemption Disabled Person's exemption | $90,000 | $90,000 |
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 52% of the US · above 76% 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.
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 72 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 |
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