12008 Charlock Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 12008 Charlock Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 3,234 sqft · built 1995
Lot Size	1.39 acres (60,766 sqft)
Owner	2 Individual Names on File
Last Sale	$592,500 (Apr 2022)
Tax Bill	$6,612 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`21234600240000`

Property Details

APN / Parcel Number

Primary APN	`21234600240000`
Alternative APNs	`234600240000` `00000545`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,234 sqft Finished Area
Basement Area	1,708 sqft
Finished Basement	1,704 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	60,766 sqft (1.39 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	512 sqft
Patio Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000545
Street Address	12008 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	LOT 24 THE MEADOWS AT COVERED BRIDGE SUBDIVISION SEC 2 PB.38 PG.49 1.395 AC+-
Legal Subdivision	RIDGE SUBDIVISION
Legal Lot Number	24
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1001
Census Tract	10312

Owner

12008 Charlock Ct is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	12008 CHARLOCK CT, PROSPECT, KY 40059-9117
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 26, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2022 · Amount on File
Deed Sale	Apr 26, 2022 · Amount on File
Prior Sale	Sep 12, 2005 · Amount on File
Deed Document Number	202294914
Deed Book / Page	12337 / 672
Prior Transfer Date	Aug 7, 2013
Prior Transfer Doc	0101160859
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12008 CHARLOCK CT, PROSPECT, KY 40059-9117
Transaction Type	Mortgage
Record Updated	Nov 3, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12008 CHARLOCK CT, PROSPECT, KY 40059-9117

Mortgage

Document Number	0000208165
Date	Oct 20, 2023
Book Page	M 18671/974
Instrument	2023208165

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 13, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Apr 26, 2022
Property Address	12008 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0000094914
Book / Page	D 12337 / 672
Map Reference	MB 38 PG 49
Instrument Date	Apr 15, 2022
Instrument	2022094914
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount on Record
Tax	$592.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2800 HUNTERS BRANCH DR, LOUISVILLE, KY 40241-6568

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12008 CHARLOCK CT, PROSPECT, KY 40059-9117

Tax Assessment & Valuation

The 2025 property tax bill for 12008 Charlock Ct was $6,612.

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	$6,612.00	$592,500 Land $171,150 Building $421,350
2024			$592,500 (-) Land $171,150 Building $421,350
2023	$6,861.00 (-10.64%)	$592,500 (-10.34%) Land $171,150 Building $421,350	$592,500 (-10.34%) Land $171,150 Building $421,350
2022	$7,678.00	$660,840 Land $171,150 Building $489,690	$660,840 Land $171,150 Building $489,690

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

Flood

FEMA maps place 12008 Charlock Ct in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1980.

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 File 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

Wildfire risk around 12008 Charlock Ct is low, with a 0.01% annual chance of 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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