4460 E Fork Rd, Owingsville, KY 40360 Property Records

Bath County property record for 4460 E Fork Rd, Owingsville, KY 40360

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1974
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Jul 2002)
Tax Bill	$997 (2024)
Deeds & Mortgages	Jul 2022 Mortgage Sep 2020 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`030-00-00-011.00`

Property Details

APN / Parcel Number

Primary APN	`030-00-00-011.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,264 sqft Living Area

Exterior

Year Built	Built 1974
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	60,984 sqft (1.4 acres)
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	4460 E FORK RD
City	OWINGSVILLE
State	KY
Zip	40360-9210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.4 AC LOT RES & GARAGE
Jurisdiction	BATH KY
Township / Civil Division	OWINGSVILLE
Census Block Group	1
Census Block	1005
Census Tract	970201

Owner

4460 E Fork Rd is owned and occupied by two individuals who bought it in July 2002.

Source: Bath County records, as of January 26, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
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
Jul 26, 2022	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 19, 2013	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 26, 2015	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 31, 2010	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA ND
Dec 16, 2009	Deed of Trust, Mortgage · Construction Mortgage THE CITIZENS BANK
Feb 8, 2012	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA ND
Nov 20, 2024	Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2002 · Amount on File
Deed Sale	Jul 1, 2002 · Amount on File
Deed Document Number	0000265493
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210

Mortgage

Document Number	000271/223
Date	Jul 26, 2022
Book Page	271/223
Instrument	2409764

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	179 Months
Due	Jun 24, 2037

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M253/757
Date	Sep 28, 2020
Book Page	M253/757
Instrument	2385188

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M206/666
Date	Jul 19, 2013
Book Page	M206/666
Instrument	412423

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	224 Months
Due	Mar 1, 2032

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	SOUTHWEST FINANCIAL, SOUTHWEST FINANCIAL SVCS LTD

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M221/217
Date	Sep 26, 2015
Book Page	M221/217
Instrument	715141

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M190/140
Date	Aug 31, 2010
Book Page	M190/140
Instrument	405000

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2040

December 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00M186/612
Date	Dec 16, 2009
Book Page	M186/612
Instrument	403175

Lender

Name	THE CITIZENS BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	36 Months
Due	Dec 16, 2012

February 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Jun 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M198/314
Date	Feb 8, 2012
Book Page	M198/314
Instrument	408726

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 1, 2032

November 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	BATH KY
Recording Date	Nov 20, 2024
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Document Number	00D265/493
Book / Page	D265 / 493
Instrument Date	Nov 15, 2024
Instrument	2416213
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1625 RATLIFF RD, SHARPSBURG, KY 40374-9301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Mail Care Of	WILLIAM CHARLES AND CHERYL LOUISE CHARLE

Mortgage

Document Number	MTG289/700
Date	Nov 20, 2024
Book Page	MTG289/700
Instrument	2416214

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	1400 FORUM BLVD STE 18, COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BATH KY
Property Address	4460 E FORK RD, OWINGSVILLE, KY 40360-9210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M253/757
Date	Sep 28, 2020
Book Page	M253/757
Instrument	2385188

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

Source: Bath County assessment roll, as of October 15, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$240,500	$240,500
2024	$997.00 (+0.91%)
2023	$988.00	$80,000	$80,000

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

Flood

FEMA maps place 4460 E Fork Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 4460 E Fork Rd 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.03% 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	SHARPSBURG WATER DISTRICT serves 4,332 people · EPA ID KY0060392
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Oct 2018 Total trihalomethanes resolved · Jan 2018
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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on E Fork Rd

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