4041 Oak St, Paducah, KY 42003 Property Records

McCracken County property record for 4041 Oak St, Paducah, KY 42003

Property Summary

Property Type	Single Family Home
Lot Size	6.64 acres (289,238 sqft)
Owner	2 Individual Names on File
Last Sale	$299,900 (Sep 2026)
Tax Bill	$291 (2025)
Deeds & Mortgages	Sep 2026 Sale Jun 2026 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`105-00-00-024.01`

Property Details

APN / Parcel Number

Primary APN	`105-00-00-024.01`
Alternative APNs	`133268` `133267`

Exterior

Lot Area	289,238 sqft (6.64 acres)

Location & Zoning

Account Number	133267
Street Address	4041 OAK ST
City	PADUCAH
State	KY
Zip	42003-5100
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	22-37-70A 6.64 AC OAK ST TR A
Legal Subdivision	FINAL SUB PLAT FOR OAKVIEW ESTATES PH 1
Legal Tract	A
Jurisdiction	MCCRACKEN KY
Township / Civil Division	PADUCAH
Census Block Group	2
Census Block	2031
Census Tract	30900

Owner

4041 Oak St is owned and occupied by two individuals who bought it in September 2026.

Source: McCracken County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4041 OAK ST, PADUCAH, KY 42003-5100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Sep 17, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 9, 2026	Deed of Trust, Mortgage · Construction Mortgage CITIZENS DEPOSIT BANK
Apr 23, 2026	Deed of Trust, Mortgage · Construction Mortgage FNB BANK
Apr 15, 2026	Warranty Deed, Transfer · Construction Mortgage NONE LISTED ON DOCUMENT
Oct 2, 2025	Warranty Deed, Transfer · Line of Credit UNITED COMMUNITY BANK OF WEST KY IN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2026 · Amount on File
Deed Sale	Sep 17, 2026 · Amount on File
Prior Sale	Apr 15, 2026 · Amount on File
Deed Document Number	2026856809
Deed Book / Page	1551 / 510
Prior Transfer Date	Jul 27, 2023
Prior Transfer Doc	0000679370
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCRACKEN KY
Recording Date	Sep 17, 2026
Property Address	4041 OAK ST, PADUCAH, KY 42003-5100
Document Number	0000856809
Book / Page	1551 / 510
Instrument Date	Sep 14, 2026
Instrument	2026856809
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$30,289.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCRACKEN KY
Recording Date	Jun 9, 2026
Property Address	4041 OAK ST, PADUCAH, KY 42003-5100
Document Number	0000848486
Book / Page	1883 / 491
Instrument Date	May 28, 2026
Instrument	2026848486
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000848486,
Date	Jun 9, 2026
Book Page	1883/491
Instrument	2026848486

Lender

Name	CITIZENS DEPOSIT BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	May 28, 2027

Interest

Rate	6.3%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCCRACKEN KY
Recording Date	Apr 23, 2026
Property Address	4041 OAK ST, PADUCAH, KY 42003-5100
Document Number	0000844596
Book / Page	1876 / 778
Instrument Date	Apr 22, 2026
Instrument	2026844596
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	8170 STATE ROUTE 1241, HICKORY, KY 42051-9436
Investor	Possibly a Property Investor

Mortgage

Document Number	0000844596,
Date	Apr 23, 2026
Book Page	1876/778
Instrument	2026844596

Lender

Name	FNB BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 22, 2027

Interest

Rate	6.38%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCRACKEN KY
Recording Date	Apr 15, 2026
Property Address	4041 OAK ST, PADUCAH, KY 42003-5100
Document Number	0000843682
Book / Page	1540 / 715
Instrument Date	Apr 13, 2026
Instrument	2026.843682
Transaction Type	Transfer
Record Updated	Apr 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$5,050.00
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	Limited Liability Partnership
Address	270 NEWSOME RD, MAYFIELD, KY 42066-7662

Mortgage

Document Number	0000843682,
Date	Apr 15, 2026
Book Page	1875/341
Instrument	2026.843682

Lender

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 13, 2027

Interest

Rate	6%
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCCRACKEN KY
Recording Date	Oct 2, 2025
Property Address	4041 OAK ST, PADUCAH, KY 42003-5100
Document Number	0D1530/141
Book / Page	D1530 / 141
Map Reference	SEC N PG 109
Instrument Date	Oct 1, 2025
Instrument	725367
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2080 BRYAN RD, BOAZ, KY 42027-9658

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 NEWSOME RD, MAYFIELD, KY 42066-7662

Mortgage

Document Number	0000725368
Date	Oct 2, 2025
Instrument	725368

Lender

Name	UNITED COMMUNITY BANK OF WEST KY IN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 10, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 4041 Oak St was $291.

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		$30,200 (-)	$30,200 (-)
2025	$291.00	$30,200	$30,200
2023	$295.00 (+23.95%)	$30,200 (+25.83%)	$30,200 (+25.83%)
2022	$238.00	$24,000	$24,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4041 Oak St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2015.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (2015–2016)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Dec 2016 · 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.

Wildfire

Wildfire risk around 4041 Oak St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	0.03% 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 105 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

May also be available: PPS Fibernet, Right Fiber.

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