Warren County property record for 232 Williams Gate Pl, Oakland, KY 42159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,430 sqft · built 1998 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,000 (May 2014) |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 072B-01-008R |
| Primary APN | 072B-01-008R |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,430 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 300 sqft |
| Patio Area | 492 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 232 WILLIAMS GATE PL |
|---|---|
| City | OAKLAND |
| State | KY |
| Zip | 42159-6841 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | WILLIAMS ADDITION |
| Legal Lot Number | 8R |
| Jurisdiction | WARREN KY |
| Township / Civil Division | SMITHS GROVE |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 11600 |
Source: Warren County records, as of August 25, 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 | 232 WILLIAMS GATE PL, OAKLAND, KY 42159-6841 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2017 | Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST COMPANY INC |
| Sep 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INDEPENDENCE BANK OF KENTUCKY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 29, 2014 · Amount on Record |
| Deed Sale | May 29, 2014 · Amount on Record |
| Deed Document Number | 2014856228 |
| Deed Book / Page | 1076 / 886 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN KY |
| Property Address | 232 WILLIAMS GATE PL, OAKLAND, KY 42159-6841 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2714/937 |
|---|---|
| Date | Jun 13, 2017 |
| Book Page | M2714/937 |
| Instrument | 940085 |
| Name | AMERICAN BANK & TRUST COMPANY INC |
|---|---|
| Type | Bank |
| Address | BOWLING GREEN, KY 42102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 7, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WARREN KY |
| Property Address | 232 WILLIAMS GATE PL, OAKLAND, KY 42159-6841 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M3036/239 |
|---|---|
| Date | Sep 21, 2020 |
| Book Page | M3036/239 |
| Instrument | 1155677 |
| Name | INDEPENDENCE BANK OF KENTUCKY |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2035 |
Source: Warren County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Warren County |
| Municipality | Oakland City |
| Unified School District | Warren County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,328.00 (+0.26%) | $270,500 (+2.08%) | $270,500 (+2.08%) |
| 2023 | $2,322.00 | $265,000 | $265,000 |
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 12, 2023 · 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 |
| Nearby Flood Claims | 1 (1999) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 1999 · rainfall accumulation |
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 | 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 | WARREN COUNTY WATER DISTRICT serves 91,118 people · EPA ID KY1140487 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Sep 2023 |
| Lead | 2 ppb (2022–2024) 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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| North Central Communications Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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