12004 Charlock Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 12004 Charlock Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,259 sqft · built 1995
Lot Size	1.26 acres (55,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$554,900 (Feb 2019)
Tax Bill	$5,672 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21234600220000`

Property Details

APN / Parcel Number

Primary APN	`21234600220000`
Alternative APNs	`234600220000` `00000621`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,259 sqft Finished Area
Basement Area	1,666 sqft
Finished Basement	1,500 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	55,147 sqft (1.26 acres)
Garage Type	Mixed
Garage Area	1,498 sqft
Parking Spaces	3 Parking Spaces
Pool Area	462 sqft
Deck Area	472 sqft
Patio Area	309 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000621
Street Address	12004 CHARLOCK CT
City	PROSPECT
State	KY
Zip	40059-9117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 22 THE MEADOWS AT COVERED BRIDGE SUBDIVISION, SEC 2, PB.38 PG.49; 1.2664 AC +/-
Legal Subdivision	RIDGE SUBDIVISION
Legal Lot Number	22
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 15, 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	12004 CHARLOCK CT, PROSPECT, KY 40059-9117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 21, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA
Feb 21, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 21, 2019 · Amount on Record
Deed Sale	Feb 21, 2019 · Amount on Record
Prior Sale	Feb 21, 2019 · Amount on Record
Deed Document Number	0011352211
Deed Book / Page	11352 / 211
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12004 CHARLOCK CT, PROSPECT, KY 40059-9117
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000075456
Date	Mar 29, 2021
Book Page	17266/774
Instrument	2021075456

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Feb 21, 2019
Property Address	12004 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0113520211
Book / Page	011352 / 000211
Instrument Date	Feb 18, 2019
Instrument	38685
Transaction Type	Transfer
Record Updated	Mar 6, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$554.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12004 CHARLOCK CT PROSPECT KY 400599117, PROSPECT, KY 40059-9117

Mortgage

Document Number	158550914
Date	Feb 21, 2019
Book Page	015855/000914
Instrument	38686

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Feb 21, 2019
Property Address	12004 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0113520206
Book / Page	011352 / 000206
Instrument Date	Jan 17, 2019
Instrument	38684
Transaction Type	Transfer
Record Updated	Mar 4, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$554.90
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2707 N 118TH ST OMAHA NE 681649672, OMAHA, NE 68164-9672

Tax Assessment & Valuation

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 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	$5,672.00 (-4.16%) Homeowner's exemption	$557,420 (-) Land $161,970 Building $395,450
2024			$557,420 (-) Land $161,970 Building $395,450
2023	$5,918.00 (-1.47%) Homeowner's exemption	$557,420 (-) Land $161,970 Building $395,450	$557,420 (-) Land $161,970 Building $395,450
2022	$6,006.00 Homeowner's exemption	$557,420 Land $161,970 Building $395,450	$557,420 Land $161,970 Building $395,450

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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