12015 Charlock Ct, Prospect, KY 40059 Property Records

Oldham County property record for 12015 Charlock Ct, Prospect, KY 40059 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 1993
Square Footage	4,549 sqft Living Area
Lot Size	47,828 sqft (1.09 acres)
Garage	Attached
Occupancy	Owner Occupied
Tax Bill	$6,828.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-28B-00-13`
Alternative APN	`4571`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Total Rooms	10 Rooms
Building Area	4,549 sqft Living Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	2 Fireplaces

Exterior

Year Built	Built 1993
Exterior Material	Brick Veneer Exterior
Construction Type	Frame Construction
Foundation Type	Concrete Foundation
Roof Material	Composition Shingle Roof
Lot Area	47,828 sqft (1.09 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating

Location & Zoning

Account Number	4571
Street Address	12015 CHARLOCK CT
City	PROSPECT
State	KY
Zip	40059-9117
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HOUSE &1.098AC
Legal Lot Number	13
Jurisdiction	OLDHAM KY
Minor Civil Division	PEWEE VALLEY
Census Blockgroup	2
Census Block	2015
Census Tract	30701

Owner

Source: Oldham County records · APN 06-28B-00-13

Assessment roll updated July 1, 2025 · Last verified January 2026

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 File
Mailing Address	12015 CHARLOCK CT, PROSPECT, KY 40059-9117
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Doc Number	444-409
Record Refreshed	Jun 08, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	12015 CHARLOCK CT, PROSPECT, KY 40059-9117
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2245/437
Date	Jan 13, 2017
Book Page	M2245/437
Instrument	520032

Lender

Name	FAIR WAY LENDING LLC
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2032

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Municipality	Prospect City
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,828.00 (+9.95%) Homeowner's exemption	$600,000 (+10.09%) Land $130,000 Building $470,000	$600,000 (+10.09%) Land $130,000 Building $470,000
2023	$6,210.00 Homeowner's exemption	$545,000 Land $110,000 Building $435,000	$545,000 Land $110,000 Building $435,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oldham County (21111C), updated January 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.