3685 Gotts Hydro Rd, Oakland, KY 42159 Property Records

Warren County property record for 3685 Gotts Hydro Rd, Oakland, KY 42159

Property Summary

Property Type	Single Family Home
Lot Size	1.52 acres (66,211 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (May 2026)
Tax Bill	$2,239 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`074A-51-001`

Property Details

APN / Parcel Number

Primary APN	`074A-51-001`

Exterior

Lot Area	66,211 sqft (1.52 acres)

Location & Zoning

Street Address	3685 GOTTS HYDRO RD
City	OAKLAND
State	KY
Zip	42159-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Lot Number	1
Jurisdiction	WARREN KY
Township / Civil Division	SMITHS GROVE
Census Block Group	4
Census Block	4026
Census Tract	11600

Owner

Source: Warren County records, as of August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3685 GOTTS HYDRO RD, OAKLAND, KY 42159-9754
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed, Transfer · Conventional Mortgage SOUTH NATIONAL BANK NC
Nov 16, 2023	Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Deed Document Number	20262166116
Deed Book / Page	1342 / 928
Record Updated	Oct 29, 2026

May 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	May 4, 2026
Property Address	3685 GOTTS HYDRO RD, OAKLAND, KY 42159-9754
Document Number	0D1342/928
Book / Page	1342 / 928
Instrument Date	Apr 29, 2026
Instrument	2026.2166116
Transaction Type	Transfer
Record Updated	May 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$29,290.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	3685 GOTTS HYDRO RD, OAKLAND, KY 42159-9754

Mortgage

Document Number	0002166116,
Date	May 4, 2026
Book Page	3642/350
Instrument	2026.2166116

Lender

Name	SOUTH NATIONAL BANK NC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Nov 16, 2023
Property Address	3685 GOTTS HYDRO RD, OAKLAND, KY 42159-9754
Document Number	0D1291/174
Book / Page	D1291 / 174
Map Reference	MB 38 PG 446
Instrument Date	Nov 15, 2023
Instrument	2026052
Transaction Type	Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	144 PROCTOR TRL, BOWLING GREEN, KY 42101-9128

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3685 GOTTS HYDRO RD, OAKLAND, KY 42159-9754

Mortgage

Document Number	0002026053
Date	Nov 16, 2023
Instrument	2026053

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

Source: Warren County assessment roll, as of August 25, 2026

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	$2,239.00	$259,900	$259,900

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 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

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	0.02% 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	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 7 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

Cell Coverage

5G and 4G LTE (outdoors only)

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