Oldham County property record for 12019 Charlock Ct, Prospect, KY 40059 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 45,433 sqft (1.04 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $7,186.00 (2025) |
| Primary APN | 06-28B-00-12 |
|---|---|
| Alternative APN |
|
| Lot Area | 45,433 sqft (1.04 acres) |
|---|
| Account Number | 68357 |
|---|---|
| Street Address | 12019 CHARLOCK CT |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9117 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.043AC |
| Legal Subdivision | THE MEADOWS AT COVERED B |
| Legal Lot Number | 12 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 30701 |
Source: Oldham County records · APN 06-28B-00-12
Assessment roll updated December 23, 2025 · Last verified August 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 | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 07, 2026 | Deed of Trust, Mortgage RIVER CITY BANK INC |
| Jan 19, 2024 | Deed of Trust, Mortgage · Building or Construction Mortgage RIVER CITY BANK INC |
| May 06, 2022 | Deed of Trust, Mortgage · Line of Credit RIVER CITY BANK INC |
| Apr 01, 2022 | Deed of Trust, Mortgage · Line of Credit RIVER CITY BANK INC |
| Feb 28, 2022 | Deed, Transfer |
| Jan 22, 2021 | Deed of Trust, Mortgage · Line of Credit RIVER CITY BANK INC |
| Feb 01, 2018 | Deed of Trust, Mortgage · Line of Credit RIVER CITY BANK INC |
| May 26, 2017 | Deed of Trust, Mortgage RIVER CITY BANK |
| Jan 02, 2020 | Deed of Trust, Mortgage · Line of Credit RIVER CITY BANK INC |
| Jan 22, 2021 | Deed of Trust, Mortgage · Line of Credit RIVER CITY BANK INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 28, 2022 |
| Deed Sale | Feb 28, 2022 |
| Prior Sale | Aug 12, 2015 · Amount on Record |
| Deed Doc Number | 2022679812 |
| Deed Book / Page | 1319 / 483 |
| Prior Transfer Date | Aug 10, 2015 |
| Prior Transfer Doc | 0000498527 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Number | 0M2727/659 |
|---|---|
| Date | Jan 07, 2026 |
| Book Page | M2727/659 |
| Instrument | 843749 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Amount | Amount Recorded |
|---|---|
| Term | 264 Months |
| Due | Jan 02, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Number | 0M2648/238 |
|---|---|
| Date | Jan 19, 2024 |
| Book Page | M2648/238 |
| Instrument | 753135 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Jun 01, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2022 |
| Title Company | AGENCY TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Number | 0M2584/348 |
|---|---|
| Date | May 06, 2022 |
| Book Page | M2584/348 |
| Instrument | 689403 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | 4201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2578/920 |
|---|---|
| Date | Apr 01, 2022 |
| Book Page | M2578/920 |
| Instrument | 684597 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 24, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 28, 2022 |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Number | 0D1319/483 |
| Book / Page | D1319 / 483 |
| Map Reference | MB 5 PG 11 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 679812 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Name | Verified Name |
|---|---|
| Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2484/986 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | M2484/986 |
| Instrument | 617041 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 09, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2294/296 |
|---|---|
| Date | Feb 01, 2018 |
| Book Page | M2294/296 |
| Instrument | 535320 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AGENCY TITLE INC |
| Name | Verified Name |
|---|
| Document Number | M2261/024 |
|---|---|
| Date | May 26, 2017 |
| Book Page | M2261/024 |
| Instrument | 525358 |
| Name | RIVER CITY BANK |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Amount | Amount Recorded |
|---|---|
| Term | 6 Months |
| Due | Nov 19, 2017 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2386/0457 |
|---|---|
| Date | Jan 02, 2020 |
| Book Page | M2386/0457 |
| Instrument | 561808 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 01, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12019 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2484/976 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | M2484/976 |
| Instrument | 617040 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 203 Months |
| Due | Dec 04, 2037 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Municipality | Prospect City |
| Unified School District | Oldham County School District (PK - 12) |
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 | $7,186.00 (+11%) | $580,000 (+11.54%) Land $130,000 Building $450,000 | $580,000 (+11.54%) Land $130,000 Building $450,000 |
| 2023 | $6,474.00 | $520,000 Land $110,000 Building $410,000 | $520,000 Land $110,000 Building $410,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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