10511 Elder Ln, Prospect, KY 40059 Property Records

Oldham County property record for 10511 Elder Ln, Prospect, KY 40059 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,970 sqft · built 2001
Lot Size	0.335 acres (14,593 sqft)
Owner	2 Company Names on File
Last Sale	$499,000 (Feb 2022)
Tax Bill	$6,563 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-11C-04B-281`

Property Details

APN / Parcel Number

Primary APN	`11-11C-04B-281`
Alternative APNs	`68308` `73380`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,970 sqft Living Area
Basement Area	1,480 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	14,593 sqft (0.335 acres)
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	73380
Street Address	10511 ELDER LN
City	PROSPECT
State	KY
Zip	40059-9599
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .335AC
Legal Subdivision	GLENOAKS
Legal Block	SEC 4B
Legal Lot Number	281
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1009
Census Tract	30704

Owner

Source: Oldham County records · APN 11-11C-04B-281

Assessment roll updated December 23, 2025 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	10511 ELDER LN, PROSPECT, KY 40059-9599
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Mar 02, 2022	Deed of Trust, Mortgage · Conventional Mortgage STOCKTON MORTGAGE CORP
Feb 16, 2022	Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Prior Sale	Jun 10, 2016 · Amount on Record
Deed Document Number	2022678233
Deed Book / Page	1318 / 471
Last Transfer Date	Aug 09, 2024
Transfer Doc	0D1389/343
Record Updated	Jun 08, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	10511 ELDER LN, PROSPECT, KY 40059-9599
Transaction Type	Mortgage
Record Updated	Mar 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2574/258
Date	Mar 02, 2022
Book Page	M2574/258
Instrument	680235

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage

February 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Feb 16, 2022
Property Address	10511 ELDER LN, PROSPECT, KY 40059-9599
Document Number	0D1318/471
Book / Page	D1318 / 471
Map Reference	MB 5POG 53
Instrument Date	Feb 14, 2022
Instrument	678233
Transaction Type	Transfer
Record Updated	Mar 01, 2022
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	6324 MEETING ST APT 354, 6324, PROSPECT, KY 40059-8716

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10511 ELDER LN, PROSPECT, KY 40059-9599

Mortgage

Document Number	0000678234
Date	Feb 16, 2022
Instrument	678234

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	10511 ELDER LN, PROSPECT, KY 40059-9599
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2412/36
Date	May 12, 2020
Book Page	M2412/36
Instrument	573017

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.19%
Adjustable	Adjustable Rate Rider
Type Change Date	May 01, 2025
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.19%
Index	Prime Rate
Max Rate	9.19%

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,563.00 (+0.37%)	$499,000 (-) Land $65,000 Building $434,000	$499,000 (-) Land $65,000 Building $434,000
2023	$6,539.00	$499,000 Land $65,000 Building $434,000	$499,000 Land $65,000 Building $434,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850307041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 237 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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