255 Cull Rd, Owenton, KY 40359 Property Records

Owen County property record for 255 Cull Rd, Owenton, KY 40359

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,440 sqft · built 1978
Lot Size	0.955 acres (41,629 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,000 (Feb 2021)
Tax Bill	$1,839 (2025)
Deeds & Mortgages	Sep 2023 Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`049-50-00-002.04`

Property Details

APN / Parcel Number

Primary APN	`049-50-00-002.04`
Alternative APN	`12162`

Interior

Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Basement Area	1,104 sqft
Unfinished Basement	1,104 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,629 sqft (0.955 acres)
Garage Area	800 sqft
Driveway	Asphalt Driveway
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric

Location & Zoning

Account Number	12162
Street Address	255 CULL RD
City	OWENTON
State	KY
Zip	40359-8551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE/GARAGE & LOT
Jurisdiction	OWEN KY
Township / Civil Division	OWENTON
Census Block Group	3
Census Block	3005
Census Tract	970201

Owner

Source: Owen County records, as of November 20, 2025

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	255 CULL RD, OWENTON, KY 40359-8551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2023	Deed of Trust, Mortgage · FHA Mortgage WILSON LEGAL LLC
May 21, 2021	Intrafamily Transfer, Transfer
Feb 10, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 10, 2021 · Amount on Record
Deed Sale	Feb 10, 2021 · Amount on Record
Prior Sale	Jul 22, 2010 · Amount on Record
Deed Document Number	2021467
Deed Book / Page	262 / 259
Prior Transfer Date	Feb 6, 2021
Prior Transfer Doc	263/302
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OWEN KY
Property Address	255 CULL RD, OWENTON, KY 40359-8551
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	255 CULL RD, OWENTON, KY 40359-8551

Mortgage

Document Number	00M328/652
Date	Sep 14, 2023
Book Page	M328/652
Instrument	1167594

Lender

Name	WILSON LEGAL LLC
Type	Non-Lending Institution
Address	LOUISVILLE, KY 40255

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Mar 1, 2051

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OWEN KY
Recording Date	May 21, 2021
Property Address	255 CULL RD, OWENTON, KY 40359-8551
Document Number	263/302
Book / Page	263 / 302
Instrument Date	Feb 6, 2021
Instrument	2021001713
Transaction Type	Transfer
Record Updated	Jun 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	255 CULL RD, OWENTON, KY 40359-8551

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OWEN KY
Recording Date	Feb 10, 2021
Property Address	255 CULL RD, OWENTON, KY 40359-8551
Document Number	000262/259
Book / Page	262 / 259
Instrument Date	Feb 4, 2021
Instrument	2021000467
Transaction Type	Transfer
Record Updated	Dec 16, 2021

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	255 CULL RD, OWENTON, KY 40359-8551

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	$1,839.00 (+10.72%)	$152,500 (+8.93%)	$152,500 (+8.93%)
2023	$1,661.00	$140,000	$140,000

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 · 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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2025)
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 5 claims

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

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

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Broadlinc.

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