20 Cedar Rd, Owenton, KY 40359 Property Records

Owen County property record for 20 Cedar Rd, Owenton, KY 40359

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,603 sqft · built 2010
Owner	Individual Name on Record
Last Sale	$300,000 (Aug 2017)
Tax Bill	$4,859 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`075-80-00-020.00`

Property Details

APN / Parcel Number

Primary APN	`075-80-00-020.00`
Alternative APN	`9280`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,603 sqft Living Area
Basement Area	1,615 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Terrain	Rolling
View / Lot	Water
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	12 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	9280
Street Address	20 CEDAR RD
City	OWENTON
State	KY
Zip	40359
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 WATER LOTS/ HOUSE
Jurisdiction	OWEN KY
Township / Civil Division	OWENTON
Census Block Group	1
Census Block	1016
Census Tract	970202

Owner

Source: Owen County records, as of November 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	942 MARTINI RD, CINCINNATI, OH 45233-1416
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO
Aug 8, 2017	Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2017 · Amount on Record
Deed Sale	Aug 8, 2017 · Amount on Record
Prior Sale	Jul 8, 2008 · Amount on Record
Deed Document Number	2017002387
Deed Book / Page	DEED 250 / 670
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN KY
Property Address	20 CEDAR RD, OWENTON, KY 40359
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG305/412
Date	Jun 1, 2021
Book Page	MTG 305/412
Instrument	2021001844

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2041

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN KY
Recording Date	Aug 8, 2017
Property Address	20 CEDAR RD, OWENTON, KY 40359
Document Number	DEED250/670
Book / Page	DEED 250 / 670
Map Reference	CAB 63
Instrument Date	Jul 11, 2017
Instrument	2017002387
Transaction Type	Transfer
Record Updated	Nov 20, 2025
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1239 GREENERY LN, CINCINNATI, OH 45233-4895

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	942 MARTINI RD, CINCINNATI, OH 45233-1416

Mortgage

Document Number	2017002392
Date	Aug 8, 2017
Instrument	2017002392

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2037

Tax Assessment & Valuation

Source: Owen County assessment roll, as of April 1, 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	$4,859.00 (+9.19%)	$407,800 (+7.32%)	$407,800 (+7.32%)
2023	$4,450.00	$380,000	$380,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 100 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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