Estill County property record for 990 White Oak Rd, Irvine, KY 40336
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,404 sqft · built 1953 |
| Lot Size | 0.606 acres (26,397 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $722 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jul 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 069-00-00-028.01 |
| Primary APN | 069-00-00-028.01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Roof Type | Gable |
| Lot Area | 26,397 sqft (0.606 acres) |
| Terrain | Rolling |
| View / Lot | Flood Plain/Flood Zone |
| Garage Type | Detached |
| Driveway | Gravel Driveway |
| Heating System | Electric |
|---|
| Account Number | 27227 1 |
|---|---|
| Street Address | 990 WHITE OAK RD |
| City | IRVINE |
| State | KY |
| Zip | 40336-7749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 990 WHITE OAK RD .606 AC HOUSE & GARAGE |
| Legal Subdivision | PLAT OF SAMUEL S EMBS |
| Jurisdiction | ESTILL KY |
| Township / Civil Division | IRVINE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 920202 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 415 ROBERTS RD, IRVINE, KY 40336-8247 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jul 9, 2025 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Oct 29, 2025 | Correction Deed |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESTILL KY |
| Property Address | 990 WHITE OAK RD, IRVINE, KY 40336-7749 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 990 WHITE OAK RD, IRVINE, KY 40336-7749 |
| Document Number | 00MG13/130 |
|---|---|
| Date | Mar 20, 2026 |
| Book Page | MG13/130 |
| Instrument | 258816 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ESTILL KY |
| Property Address | 990 WHITE OAK RD, IRVINE, KY 40336-7749 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 990 WHITE OAK RD, IRVINE, KY 40336-7749 |
| Document Number | 00MZ12/715 |
|---|---|
| Date | Jul 9, 2025 |
| Book Page | MZ12/715 |
| Instrument | 267728 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | ESTILL KY |
| Recording Date | Oct 29, 2025 |
| Property Address | 990 WHITE OAK RD, IRVINE, KY 40336-7749 |
| Document Number | 00D352/431 |
| Book / Page | D352 / 431 |
| Map Reference | CAB 1 SL 287 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 253995 |
| Record Updated | Jan 20, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 990 WHITE OAK RD, IRVINE, KY 40336-7749 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 990 WHITE OAK RD, IRVINE, KY 40336-7749 |
Source: Estill County assessment roll, as of November 7, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Estill County |
| Unified School District | Estill County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $128,000 (+86.86%) Land $128,000 | $128,000 (+86.86%) Land $128,000 | |
| 2025 | $722.00 (-1.77%) | $68,500 (-) Land $68,500 | $68,500 (-) Land $68,500 |
| 2023 | $735.00 | $68,500 Land $68,500 | $68,500 Land $68,500 |
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 May 24, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 4 (2019–2025) |
| Most Recent Claim | Feb 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 70% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.08% 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 | IRVINE MUNICIPAL UTILITIES serves 5,649 people · EPA ID KY0330205 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Nov 2019 Total trihalomethanes resolved · Jan 2017 |
|---|---|
| Treatment and Procedure | Organic carbon removal Oct 2019 |
| 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 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Irvine Community Television Fiber · Cable | 2,000 / 2,000 |
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