778 Winston Rd, Oakland, KY 42159 Property Records

Warren County property record for 778 Winston Rd, Oakland, KY 42159

Property Summary

Property Type	Farm - Irrigated or Dry
Details	built 2009
Lot Size	15 acres (653,400 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Mar 2018)
Tax Bill	$1,712 (2025)
Deeds & Mortgages	Feb 2019 Line of Credit Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`083A-95-003`

Property Details

APN / Parcel Number

Primary APN	`083A-95-003`
Alternative APNs	`A0003121` `243408`

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Lot Area	653,400 sqft (15 acres)

Location & Zoning

Street Address	778 WINSTON RD
City	OAKLAND
State	KY
Zip	42159-9769
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Subdivision	ADAM LOAFMAN PROPERTY SUBDIVISON
Legal Lot Number	3
Jurisdiction	WARREN KY
Township / Civil Division	SMITHS GROVE
Census Block Group	4
Census Block	4029
Census Tract	11600

Owner

778 Winston Rd, an agricultural property, is owned by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	778 WINSTON RD, OAKLAND, KY 42159-9769
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
Feb 1, 2019	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST CO
Nov 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK & TRUST CO INC
Jan 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
Mar 15, 2018	Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2018 · Amount on File
Deed Sale	Mar 15, 2018 · Amount on File
Deed Document Number	2018960910
Deed Book / Page	1158 / 290
Record Updated	Oct 29, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	778 WINSTON RD, OAKLAND, KY 42159-9769
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2856/287
Date	Feb 1, 2019
Book Page	M2856/287
Instrument	989463

Lender

Name	AMERICAN BANK & TRUST CO
Type	Bank
Address	BOWLING GREEN, KY 42102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Jan 28, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	778 WINSTON RD, OAKLAND, KY 42159-9769
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2839/472
Date	Nov 5, 2018
Book Page	M2839/472
Instrument	979902

Lender

Name	AMERICAN BANK & TRUST CO INC
Type	Non-Lending Institution
Address	BOWLING GREEN, KY 42104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	778 WINSTON RD, OAKLAND, KY 42159-9769
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3243/293
Date	Jan 20, 2022
Book Page	M3243/293
Instrument	1935616

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

March 2018: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	WARREN KY
Recording Date	Mar 15, 2018
Property Address	778 WINSTON RD, OAKLAND, KY 42159-9769
Document Number	0D1158/290
Book / Page	D1158 / 290
Map Reference	MB42 PG348
Instrument Date	Mar 14, 2018
Instrument	960910
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 9, 2025

Transaction

Amount	Amount on Record
Tax	$110.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	563 LUTHER LAWRENCE RD, SMITHS GROVE, KY 42171-8325

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4775 HAHNS PEAK DR UNIT 102, 102, LOVELAND, CO 80538-6175

Tax Assessment & Valuation

The 2025 property tax bill for 778 Winston Rd was $1,712.

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	$1,712.00	$310,000	$310,000
2023	$1,741.00	$197,270

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

Flood

FEMA maps place 778 Winston Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 778 Winston 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	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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
North Central Communications Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Winston Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures