232 Winston Rd, Oakland, KY 42159 Property Records

Warren County property record for 232 Winston Rd, Oakland, KY 42159

Property Summary

Property Type	Single Family Home
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on File
Last Sale	$189,000 (Aug 2020)
Tax Bill	$1,642 (2025)
Deeds & Mortgages	May 2022 Line of Credit Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`083A-98`

Property Details

APN / Parcel Number

Primary APN	`083A-98`
Alternative APNs	`K0004000` `282228`

Exterior

Lot Area	43,560 sqft (1 acres)

Location & Zoning

Account Number	K0004000
Street Address	232 WINSTON RD
City	OAKLAND
State	KY
Zip	42159-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:1
Legal Subdivision	MICHAEL ADAM & MEREDITH LOAFMA
Legal Lot Number	1
Jurisdiction	WARREN KY
Township / Civil Division	SMITHS GROVE
Census Block Group	4
Census Block	4029
Census Tract	11600

Owner

232 Winston Rd is owned and occupied by an individual who bought it in August 2020.

Source: Warren County records, as of December 8, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	232 WINSTON RD, OAKLAND, KY 42159-9732
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.

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK
Sep 13, 2023	Deed of Trust, Mortgage · Commercial Mortgage SOUTH CENTRAL BANK
Nov 19, 2024	Deed of Trust, Mortgage · Line of Credit SOUTH CENTRAL BANK
Aug 5, 2020	Deed, Transfer · Conventional Mortgage SOUTH CENTRAL BANK
Jan 21, 2020	Deed, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on File
Deed Sale	Aug 5, 2020 · Amount on File
Prior Sale	Jan 21, 2020 · Amount on File
Deed Document Number	1149334
Deed Book / Page	D1210 / 714
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	232 WINSTON RD, OAKLAND, KY 42159-9732
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 WINSTON RD, OAKLAND, KY 42159-9732

Mortgage

Document Number	0M3279/744
Date	May 5, 2022
Book Page	M3279/744
Instrument	1950642

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42142

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	May 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	232 WINSTON RD, OAKLAND, KY 42159-9732
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 WINSTON RD, OAKLAND, KY 42159-9732

Mortgage

Document Number	0M3405/938
Date	Sep 13, 2023
Book Page	M3405/938
Instrument	2017615

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42142

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 20, 2033

Interest

Rate Type	Adjustable Rate

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	232 WINSTON RD, OAKLAND, KY 42159-9732
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 WINSTON RD, OAKLAND, KY 42159-9732

Mortgage

Document Number	0M3505/901
Date	Nov 19, 2024
Book Page	M3505/901
Instrument	2079279

Lender

Name	SOUTH CENTRAL BANK
Type	Bank
Address	GLASGOW, KY 42142

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 20, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Aug 5, 2020
Property Address	232 WINSTON RD, OAKLAND, KY 42159-9732
Document Number	0D1210/714
Book / Page	D1210 / 714
Instrument Date	Aug 4, 2020
Instrument	1149334
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	255 THREE FORKS RD, SMITHS GROVE, KY 42171-9393

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	232 WINSTON RD, OAKLAND, KY 42159-9732

Mortgage

Document Number	0001149335
Date	Aug 5, 2020
Instrument	1149335

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

January 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Jan 21, 2020
Property Address	232 WINSTON RD, OAKLAND, KY 42159-9732
Document Number	0D1199/654
Book / Page	D1199 / 654
Map Reference	MB 42 PG 403
Instrument Date	Jan 17, 2020
Instrument	1125756
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TTL LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	255 THREE FORKS RD, SMITHS GROVE, KY 42171-9393

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 WINSTON RD, OAKLAND, KY 42159-8732

Mortgage

Document Number	0001125758
Date	Jan 21, 2020
Instrument	1125758

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 232 Winston Rd was $1,642.

Source: Warren County assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,642.00	$189,000	$189,000
2023	$1,670.00	$189,000	$189,000

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

Flood

FEMA maps place 232 Winston Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 12, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 232 Winston Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
North Central Communications Fiber	1,000 / 1,000
Windstream DSL	100 / 20

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Winston Rd

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