12014 Charlock Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 12014 Charlock Ct, Prospect, KY 40059

Property Summary

Property Type	Residential Vacant Land
Lot Size	7.5 acres (326,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Sep 2018)
Tax Bill	$4,700 (2025)
Deeds & Mortgages	Jan 2019 Line of Credit Sep 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21219900270000`

Property Details

APN / Parcel Number

Primary APN	`21219900270000`
Alternative APNs	`219900270000` `00000488`

Exterior

Lot Area	326,787 sqft (7.5 acres)

Location & Zoning

Account Number	00000488
Street Address	12014 CHARLOCK CT
City	PROSPECT
State	KY
Zip	40059-9117
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	REVISED LOT 27 MINOR PLAT DB 9068 X 830, 7.502 AC +/-
Legal Subdivision	MEADOWS AT COVERED BRIDGE
Legal Lot Number	27
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	131 ROSSWOODS DR, PEWEE VALLEY, KY 40056-9080
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2019	Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BK
Sep 28, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Jan 17, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2018 · Amount on Record
Deed Sale	Sep 28, 2018 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	0011257866
Deed Book / Page	11257 / 866
Record Updated	Jun 8, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12014 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0158330172
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	S AND B TITLE, S & B TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3787 PINE LAKE DR WESTON FL 333322101, WESTON, FL 33332-2101

Mortgage

Document Number	0158330172
Date	Jan 28, 2019
Book Page	015833/000172
Instrument	20443

Lender

Name	CITIZENS UNION BK
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jan 27, 2024

Interest

Rate Type	Adjustable Rate

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Sep 28, 2018
Property Address	12014 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0112570866
Book / Page	011257 / 000866
Instrument Date	Sep 28, 2018
Instrument	232462
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$340.00
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	12014 CHARLOCK CT PROSPECT KY 40059, PROSPECT, KY 40059

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jan 17, 2017
Property Address	12014 CHARLOCK CT, PROSPECT, KY 40059-9117
Document Number	0108030120
Book / Page	010803 / 000120
Instrument Date	Jan 17, 2017
Instrument	11489
Transaction Type	Transfer
Record Updated	Feb 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$322.50
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	10906 MEETING ST PROSPECT KY 400596577, PROSPECT, KY 40059-6577

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	$4,700.00 (-3.63%)	$421,180 (-) Land $421,180
2024			$421,180 (-) Land $421,180
2023	$4,877.00 (-0.35%)	$421,180 (-) Land $421,180	$421,180 (-) Land $421,180
2022	$4,894.00	$421,180 Land $421,180	$421,180 Land $421,180

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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