12 Cedar Rd, Owenton, KY 40359 Property Records

Owen County property record for 12 Cedar Rd, Owenton, KY 40359

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,189 sqft · built 2000
Lot Size	0.43 acres (18,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$675,000 (Aug 2026)
Tax Bill	$4,039 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`075-80-00-012.00`

Property Details

APN / Parcel Number

Primary APN	`075-80-00-012.00`
Alternative APN	`10229`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,189 sqft Living Area
Basement Area	1,189 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,742 sqft (0.43 acres)
Terrain	Rolling
View / Lot	Waterfront
Driveway	Gravel Driveway
Porch	Slab
Porch Area	491 sqft
Deck Area	643 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	10229
Street Address	12 CEDAR RD
City	OWENTON
State	KY
Zip	40359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATER LOT/HOUSE
Legal Subdivision	ELK LAKE SHORES
Legal Lot Number	12
Jurisdiction	OWEN KY
Township / Civil Division	OWENTON
Census Block Group	1
Census Block	1016
Census Tract	970202

Owner

Source: Owen County records, as of September 14, 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	7685 BROOKS RD, HARRISON, OH 45030-8945
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2026	Warranty Deed, Transfer · Conventional Mortgage BAYSHORE MORTGAGE FUNDING
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage WAYNE BANK AND TRUST CO
Mar 10, 2020	Warranty Deed, Transfer CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2026 · Amount on Record
Deed Sale	Aug 27, 2026 · Amount on Record
Prior Sale	Mar 10, 2020 · Amount on Record
Deed Document Number	20261212439
Deed Book / Page	282 / 698
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN KY
Recording Date	Aug 27, 2026
Property Address	12 ELK LAKE RESORT RD, OWENTON, KY 40359-9112
Document Number	0001212439
Book / Page	282 / 698
Instrument Date	Aug 21, 2026
Instrument	20261212439
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$68,175.00
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	7685 BROOKS RD, HARRISON, OH 45030-8945

Mortgage

Document Number	0001212443,
Date	Aug 27, 2026
Instrument	20261212443

Lender

Name	BAYSHORE MORTGAGE FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN KY
Property Address	12 CEDAR RD, OWENTON, KY 40359
Transaction Type	Mortgage
Record Updated	Jan 17, 2023
Title Company	CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG310/604
Date	Oct 21, 2021
Book Page	MTG 310/604
Instrument	2021003749

Lender

Name	WAYNE BANK AND TRUST CO
Type	Bank
Address	RICHMOND, IN 47375

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN KY
Recording Date	Mar 10, 2020
Property Address	12 CEDAR RD, OWENTON, KY 40359
Document Number	DEED259/105
Book / Page	DEED 259 / 105
Map Reference	CAB 63
Instrument Date	Jan 9, 2020
Instrument	2020000610
Transaction Type	Transfer
Record Updated	Jan 17, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Tax	$307.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1185 TRALEE TRL, BEAVERCREEK, OH 45430-1233

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7064 PICKWAY DR, CINCINNATI, OH 45233-4239

Tax Assessment & Valuation

Source: Owen County assessment roll, as of November 20, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,039.00 (+15.5%)	$338,500 (+13.59%)	$338,500 (+13.59%)
2023	$3,497.00	$298,000	$298,000

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 December 21, 2017

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

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	Low lower than 99.1% of the US · lower than 99.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	KENTUCKY-AMERICAN WATER CO private · serves 669,042 people · EPA ID KY0340250
Water Source	Surface water
Last State Inspection	Jun 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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