Pendleton County property record for 191 Oak St, Butler, KY 41006
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 2,304 sqft · built 1995 |
| Lot Size | 0.864 acres (37,679 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $58,000 (Jul 1998) |
| Tax Bill | $3,317 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037-60-02-026.00 |
| Primary APN | 037-60-02-026.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,304 sqft Living Area |
| Year Built | Built 1995 |
|---|---|
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 37,679 sqft (0.864 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 191 OAK ST |
|---|---|
| City | BUTLER |
| State | KY |
| Zip | 41006-8422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .865 ACRES & HOUSE & BLDG |
| Legal Subdivision | DUCKER |
| Jurisdiction | PENDLETON KY |
| Township / Civil Division | BUTLER |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 930101 |
191 Oak St is owned and occupied by two individuals who bought it in July 1998.
Source: Pendleton County records, as of October 20, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 191 OAK ST, BUTLER, KY 41006-8422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 12, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 13, 2017 | Deed of Trust, Mortgage · VA Mortgage NATIONAL BANK OF KANSAS CITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 1, 1998 · Amount on File |
| Deed Sale | Jul 1, 1998 · Amount on File |
| Deed Document Number | 0000212486 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 191 OAK ST, BUTLER, KY 41006-8422 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | M401/723 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | M401/723 |
| Instrument | 545287 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Jul 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 191 OAK ST, BUTLER, KY 41006-8422 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | M394/28 |
|---|---|
| Date | May 15, 2020 |
| Book Page | M394/28 |
| Instrument | 523400 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 191 OAK ST, BUTLER, KY 41006-8422 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | M394/28 |
|---|---|
| Date | May 15, 2020 |
| Book Page | M394/28 |
| Instrument | 523400 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 191 OAK ST, BUTLER, KY 41006-8422 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | M394/28 |
|---|---|
| Date | May 15, 2020 |
| Book Page | M394/28 |
| Instrument | 523400 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | PENDLETON KY |
| Property Address | 191 OAK ST, BUTLER, KY 41006-8422 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 122765 |
|---|---|
| Date | Oct 13, 2017 |
| Book Page | 375/409 |
| Instrument | 122765 |
| Name | NATIONAL BANK OF KANSAS CITY |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 191 Oak St was $3,317 with a homeowner's exemption.
Source: Pendleton County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Pendleton County |
| Unified School District | Pendleton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,317.00 Homeowner's exemption | $316,000 | $316,000 |
| 2023 | $4,076.00 | $316,000 | $316,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 191 Oak St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 18, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 6 in force |
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.
Wildfire risk around 191 Oak St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% 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 | PENDLETON CO WATER DISTRICT #1 / NORTH serves 1,485 people · EPA ID KY0960348 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2021–2023) 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 55 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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