Adair County property record for 982 Vester Rd, Columbia, KY 42728
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,120 sqft |
| Lot Size | 45.2 acres (1,971,090 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $137,000 (Jun 2005) |
| Tax Bill | $730 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-00-00-021.00 |
| Primary APN | 073-00-00-021.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Basement Area | 1,120 sqft |
| Unfinished Basement | 1,120 sqft |
| Family Room | Family Room |
| Exterior Material | Brick Veneer |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 1,971,090 sqft (45.2 acres) |
| Terrain | Rolling |
| Garage Area | 392 sqft |
| Driveway | Gravel Driveway |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 80 sqft |
| Outdoor Kitchen / BBQ | Outdoor Kitchen / BBQ |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Space Heater |
| Account Number | 10772 |
|---|---|
| Street Address | 982 VESTER RD |
| City | COLUMBIA |
| State | KY |
| Zip | 42728-9528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 45.25 ACRES+HOUSE |
| Jurisdiction | ADAIR KY |
| Township / Civil Division | WHITE OAK |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 970300 |
Source: Adair County records, as of October 20, 2026
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 | 1274 VESTER RD, COLUMBIA, KY 42728-9015 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2005 · Amount on Record |
| Deed Sale | Jun 3, 2005 · Amount on Record |
| Deed Book / Page | 12 / 151 |
| Prior Transfer Date | Jan 25, 2005 |
| Prior Transfer Doc | 012/151 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAIR KY |
| Property Address | 982 VESTER RD, COLUMBIA, KY 42728-9014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1274 VESTER RD, COLUMBIA, KY 42728-9015 |
| Document Number | 383/380 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 383/380 |
| Instrument | 459633 |
| Name | UNITED CITIZENS BANK SOUTHERN KENTUCKY |
|---|---|
| Type | Bank |
| Address | COLUMBIA, KY 42728 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 15, 2050 |
Source: Adair County assessment roll, as of December 5, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Adair County |
| Unified School District | Adair County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,900 (-) Land $16,900 Building $45,000 | $145,000 (-) Land $100,000 Building $45,000 | |
| 2025 | $730.00 (+3.99%) | $61,900 (-) Land $16,900 Building $45,000 | $145,000 (-) Land $100,000 Building $45,000 |
| 2023 | $702.00 | $61,900 Land $16,900 Building $45,000 | $145,000 Land $100,000 Building $45,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 17, 2010
| 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | COLUMBIA/ADAIR UTILITIES DISTRICT serves 22,113 people · EPA ID KY0011016 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2023 |
| Lead | 3 ppb (2024–2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Coliform assessment Sep 2025 |
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| DuoBroadband Fiber · Cable | 1,000 / 1,000 |
5G (outdoors only) and 4G LTE
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