12005 Charlock Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 12005 Charlock Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 6 ba · 3,950 sqft · built 2001
Lot Size	1 acres (43,691 sqft)
Owner	2 Individual Names on Record
Last Sale	$785,000 (Jun 2007)
Tax Bill	$7,901 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21234600170000`

Property Details

APN / Parcel Number

Primary APN	`21234600170000`
Alternative APNs	`234600170000` `00000607`

Interior

Bedrooms	3 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	3,950 sqft Finished Area
Basement Area	2,380 sqft
Finished Basement	1,297 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,691 sqft (1 acres)
Garage Type	Attached
Garage Area	945 sqft
Parking Spaces	4 Parking Spaces
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000607
Street Address	12005 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	1.003 AC+- THE MEADOWS AT COVERED BRIDGE SEC 2
Legal Subdivision	MEADOWS AT COVERED BRIDGE
Legal Lot Number	17
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	12005 CHARLOCK CT, PROSPECT, KY 40059-9117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage STOCK YARDS BANK & TRUST CO
Jun 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2007 · Amount on Record
Deed Sale	Jun 8, 2007 · Amount on Record
Prior Sale	Nov 1, 2002 · Amount on Record
Deed Document Number	0009049741
Deed Book / Page	9049 / 0741
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12005 CHARLOCK CT, PROSPECT, KY 40059-9117
Transaction Type	Mortgage
Record Updated	Jan 23, 2026
Title Company	AGENTS TITLE INC, AGENCY TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12005 CHARLOCK CT, PROSPECT, KY 40059-9117

Mortgage

Document Number	0000004244
Date	Jan 13, 2026
Book Page	M 19623/289
Instrument	2026004244

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Mar 1, 2031
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year CMT
Margin	3
Max Rate	14.1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12005 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0160170361
Instrument Date	Jun 10, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12005 CHARLOCK CT PROSPECT KY 400599117, PROSPECT, KY 40059-9117

Mortgage

Document Number	0160170361
Date	Jul 1, 2019
Book Page	016017/000361
Instrument	149693

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 30, 2034

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	$7,901.00 (-3.63%)	$708,060 (-) Land $130,000 Building $578,060
2024			$708,060 (-) Land $130,000 Building $578,060
2023	$8,199.00 (-0.34%)	$708,060 (-) Land $130,000 Building $578,060	$708,060 (-) Land $130,000 Building $578,060
2022	$8,227.00	$708,060 Land $130,000 Building $578,060	$708,060 Land $130,000 Building $578,060

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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