970 Meeks Rd, Oakland, KY 42159 Property Records

Warren County property record for 970 Meeks Rd, Oakland, KY 42159

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,637 sqft · built 1990
Lot Size	34 acres (1,481,040 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Nov 2021)
Tax Bill	$1,624 (2025)
Deeds & Mortgages	Apr 2017 Line of Credit Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084A-33A`

Property Details

APN / Parcel Number

Primary APN	`084A-33A`
Alternative APNs	`L0002857` `273494`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,637 sqft Living Area
Basement Area	1,020 sqft
Finished Basement	1,020 sqft
Family Room	Family Room

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,481,040 sqft (34 acres)
Terrain	Rolling
Garage Type	Basement
Garage Area	1,752 sqft
Driveway	Asphalt Driveway
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	804 sqft
Porch	Slab
Porch Area	216 sqft
Patio Area	888 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Street Address	970 MEEKS RD
City	OAKLAND
State	KY
Zip	42159-9713
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Subdivision	MICHAEL SMITH SUB
Jurisdiction	WARREN KY
Township / Civil Division	SMITHS GROVE
Census Block Group	4
Census Block	4031
Census Tract	11600

Owner

Source: Warren County records, as of December 9, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	970 MEEKS RD, OAKLAND, KY 42159-9713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2017	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST COMPANY INC
Nov 19, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST COMPANY INC
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK & TRUST COMPANY NA
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2021 · Amount on Record
Deed Sale	Nov 19, 2021 · Amount on Record
Prior Sale	Aug 12, 2013 · Amount on Record
Deed Document Number	20211927169
Deed Book / Page	1245 / 246
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	970 MEEKS RD, OAKLAND, KY 42159-9713
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2699/560
Date	Apr 17, 2017
Book Page	M2699/560
Instrument	935473

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 7, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	970 MEEKS RD, OAKLAND, KY 42159-9713
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3221/590
Date	Nov 19, 2021
Book Page	M3221/590
Instrument	1927183

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 18, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	970 MEEKS RD, OAKLAND, KY 42159-9713
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M3261/173
Date	Mar 14, 2022
Book Page	M3261/173
Instrument	1943039

Lender

Name	AMERICAN BANK & TRUST COMPANY NA
Type	Bank
Address	BOWLING GREEN, KY 42104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WARREN KY
Property Address	970 MEEKS RD, OAKLAND, KY 42159-9713
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3263/347
Date	Mar 21, 2022
Book Page	M3263/347
Instrument	1944118

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 9, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Warren County assessment roll, as of December 9, 2025

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	$1,624.00 (-1.69%)	$280,500 (+50.13%)	$280,500 (+50.13%)
2023	$1,652.00	$186,835	$186,835

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	0.01% 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 2 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

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

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