1086 Locust Rd, Milton, KY 40045 Property Records

Carroll County property record for 1086 Locust Rd, Milton, KY 40045

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 1968
Lot Size	45 acres (1,960,200 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Jun 2022)
Tax Bill	$1,473 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12`

Property Details

APN / Parcel Number

Primary APN	`06-12`
Alternative APNs	`106321` `113531`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,960,200 sqft (45 acres)
Garage Area	504 sqft
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	None
Heating System	Space Heater
Heating Fuel	Wood

Location & Zoning

Account Number	113531
Street Address	1086 LOCUST RD
City	MILTON
State	KY
Zip	40045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 45 ACRES
Jurisdiction	CARROLL KY
Township / Civil Division	PRESTONVILLE
Census Block Group	1
Census Block	1036
Census Tract	950300

Owner

Source: Carroll County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1086 W PRONG LOCUST RD, MILTON, KY 40045-6061
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2022 · Amount on Record
Deed Sale	Jun 17, 2022 · Amount on Record
Prior Sale	Nov 19, 2020 · Amount on Record
Deed Document Number	20222201628
Deed Book / Page	224 / 273
Prior Transfer Date	Nov 13, 2020
Prior Transfer Doc	0000100343
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL KY
Recording Date	Jun 17, 2022
Property Address	1086 LOCUST RD, MILTON, KY 40045
Document Number	00D224/273
Book / Page	D224 / 273
Instrument Date	Jun 9, 2022
Instrument	2201628
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3005 W PRONG LOCUST RD, BEDFORD, KY 40006-6002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1086 W PRONG LOCUST RD, MILTON, KY 40045-6061

Mortgage

Document Number	0002201629
Date	Jun 17, 2022
Instrument	2201629

Lender

Name	CME LENDING GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,473.00 (-0.34%)	$141,900 (-) Land $6,900 Building $135,000	$285,500 (+101.2%) Land $150,500 Building $135,000
2025	$1,478.00 (+0.41%)	$141,900 (-) Land $6,900 Building $135,000	$141,900 (-) Land $6,900 Building $135,000
2023	$1,472.00	$141,900 Land $6,900 Building $135,000	$141,900 Land $6,900 Building $135,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · 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
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	37 (1995–2025)
Claims Outside the SFHA	1 of 37
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 16 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 6 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 claims

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

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	CARROLLTON UTILITIES serves 6,851 people · EPA ID KY0210067
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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