2803 Oaks Rd, Paducah, KY 42003 Property Records

McCracken County property record for 2803 Oaks Rd, Paducah, KY 42003

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,498 sqft · built 1988
Lot Size	1 acres (43,952 sqft)
Owner	Individual Name on File
Last Sale	$35,000 (Nov 2024)
Tax Bill	$1,824 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit
Flood Zone	Zone X (moderate risk)
APN	`123-00-00-020`

Property Details

APN / Parcel Number

Primary APN	`123-00-00-020`
Alternative APNs	`137133` `137132`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,498 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Brick Veneer
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,952 sqft (1 acres)
Garage Area	3,893 sqft
Parking Spaces	13 Parking Spaces
Porch	Slab
Porch Area	545 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	137132
Street Address	2803 OAKS RD
City	PADUCAH
State	KY
Zip	42003-9559
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21-44-25 1.009 AC OAKS RD TR II
Legal Subdivision	GREAT OAKS SUBDIVISION
Legal Tract	2
Jurisdiction	MCCRACKEN KY
Township / Civil Division	ST. JOHNS-FREEMONT
Census Block Group	2
Census Block	2001
Census Tract	31200

Owner

2803 Oaks Rd is owned and occupied by an individual who bought it in November 2024.

Source: McCracken County records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	2803 OAKS RD, PADUCAH, KY 42003-9559
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2024 · Amount on File
Deed Sale	Nov 19, 2024 · Amount on File
Prior Sale	Jul 31, 2024 · Amount on File
Deed Document Number	2024705363
Deed Book / Page	1512 / 197
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCRACKEN KY
Property Address	2803 OAKS RD, PADUCAH, KY 42003-9559
Transaction Type	Mortgage
Record Updated	Oct 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 OAKS RD, PADUCAH, KY 42003-9559
Investor	Possibly a Property Investor

Mortgage

Document Number	0M1853/126
Date	Sep 12, 2025
Book Page	M1853/126
Instrument	723841

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Aug 28, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2803 Oaks Rd was $1,824.

Source: McCracken County assessment roll, as of December 29, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,000 (-)	$185,000 (-)
2025	$1,824.00	$185,000	$185,000
2023	$1,704.00 (+16.31%)	$175,000 (+18.24%)	$175,000 (+18.24%)
2022	$1,465.00	$148,000	$148,000

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

Flood

FEMA maps place 2803 Oaks Rd in Zone X, an area of moderate flood risk, though there have been 77 flood claims nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective November 2, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	77 (1997–2025)
Claims Outside the SFHA	6 of 77
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 · 32 claims Severe Storms, Straight-line Winds, Flooding, And Landslides, Feb 2025 · 8 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 23 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

Wildfire risk around 2803 Oaks 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	Direct burnable vegetation

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	PADUCAH WATER WORKS serves 65,004 people · EPA ID KY0730533
Water Source	Surface water
Last State Inspection	May 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20