12003 Charlock Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 12003 Charlock Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,478 sqft · built 1998
Lot Size	0.119 acres (5,184 sqft)
Owner	2 Individual Names on Record
Last Sale	$677,000 (Feb 2023)
Tax Bill	$7,555 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21234600180000`

Property Details

APN / Parcel Number

Primary APN	`21234600180000`
Alternative APNs	`234600180000` `00000654`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,478 sqft Finished Area
Basement Area	1,685 sqft
Finished Basement	1,000 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,184 sqft (0.119 acres)
Garage Type	Basement
Parking Spaces	5 Parking Spaces
Patio Area	312 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000654
Street Address	12003 CHARLOCK CT
City	PROSPECT
State	KY
Zip	40059-9117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	1.1198 AC+- THE MEADOWS AT COVERED BRIDGE SEC 2
Legal Subdivision	MEADOWS AT COVERED BRIDGE
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1001
Census Tract	10312

Owner

Source: Louisville/Jefferson County Metro Government records, as of December 16, 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	12003 CHARLOCK CT, PROSPECT, KY 40059-9117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 22, 2023 · Amount on Record
Deed Sale	Feb 22, 2023 · Amount on Record
Prior Sale	Mar 24, 2010 · Amount on Record
Deed Document Number	202335718
Deed Book / Page	12557 / 565
Record Updated	Sep 20, 2026

February 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Feb 22, 2023
Property Address	12003 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0000035718
Book / Page	D 12557 / 565
Map Reference	MB 38 PG 49
Instrument Date	Feb 21, 2023
Instrument	2023035718
Transaction Type	Transfer
Record Updated	Mar 2, 2023
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$677.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4303 CHURCHILL RD, LOUISVILLE, KY 40207-4046

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12003 CHARLOCK CT, PROSPECT, KY 40059-9117

Mortgage

Document Number	0000035719
Date	Feb 22, 2023
Instrument	2023035719

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

Source: Louisville/Jefferson County Metro Government assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Consolidated City	Louisville/Jefferson County Metro Government
Municipality	Prospect City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,555.00 (+5.03%)	$677,000 (+8.98%) Land $143,690 Building $533,310
2024			$677,000 (+8.98%) Land $143,690 Building $533,310
2023	$7,193.00 (-0.35%)	$621,230 (-) Land $143,690 Building $477,540	$621,230 (-) Land $143,690 Building $477,540
2022	$7,218.00	$621,230 Land $143,690 Building $477,540	$621,230 Land $143,690 Building $477,540

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 January 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	56 units insured incl. 42 condo units
Nearby Flood Claims	31 (1980–2025)
Claims Outside the SFHA	4 of 31
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 · 8 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 9 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 11 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LOUISVILLE WATER COMPANY private · serves 806,997 people · EPA ID KY0560258
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	1 ppb (2021–2023) 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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