12012 Charlock Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 12012 Charlock Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 3,519 sqft · built 2002
Lot Size	7.86 acres (342,556 sqft)
Owner	Individual Name on File
Last Sale	$835,000 (Jul 2007)
Tax Bill	$12,052 (2025)
Deeds & Mortgages	May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21219900260000`

Property Details

APN / Parcel Number

Primary APN	`21219900260000`
Alternative APNs	`219900260000` `00000494`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,519 sqft Finished Area
Basement Area	2,616 sqft
Finished Basement	1,800 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	342,556 sqft (7.86 acres)
Lot Dimensions	830 ft deep x 9,068 ft wide
Garage Type	Attached
Garage Area	972 sqft
Parking Spaces	4 Parking Spaces
Deck Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000494
Street Address	12012 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	REVISED LOT 26 MINOR PLAT DB 9068 X 830, 7.864 AC +/-
Legal Subdivision	MEADOWS AT COVERED BRIDGE
Legal Lot Number	26
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1001
Census Tract	10312

Owner

12012 Charlock Ct is owned and occupied by an individual who acquired it in September 2012.

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

Owner of Record	Individual Name on File
Mailing Address	12012 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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2007 · Amount on File
Deed Sale	Jul 12, 2007 · Amount on File
Deed Document Number	2007111907
Deed Book / Page	9068 / 830
Last Transfer Date	Sep 20, 2012
Transfer Doc	0099500197
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12012 CHARLOCK CT, PROSPECT, KY 40059-9117
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	LOUISVILLE TITLE AGENCY, LOUISVILLE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000110891
Date	May 7, 2021
Book Page	17364/931
Instrument	2021110891

Lender

Name	CITIZENS UNION BANK
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 28, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 12012 Charlock Ct was $12,052.

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	$12,052.00	$1,080,000 Land $461,550 Building $618,450
2024			$1,080,000 (-) Land $461,550 Building $618,450
2023	$12,506.00 (-0.34%)	$1,080,000 (-) Land $461,550 Building $618,450	$1,080,000 (-) Land $461,550 Building $618,450
2022	$12,549.00	$1,080,000 Land $461,550 Building $618,450	$1,080,000 Land $461,550 Building $618,450

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

Flood

FEMA maps place 12012 Charlock Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 12012 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	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	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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

May also be available: Spectrum.

Cell Coverage

4G LTE only, no 5G reported

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