Oldham County property record for 12022 Charlock Ct, Prospect, KY 40059 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 5 Baths |
| Year Built | Built 2000 |
| Square Footage | 4,113 sqft Living Area |
| Lot Size | 45,520 sqft (1.04 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $845,000 (2020) |
| Tax Bill | $11,554.00 (2025) |
| Primary APN | 06-28B-00-31 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 4,113 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Concrete Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 45,520 sqft (1.04 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Account Number | 64475 |
|---|---|
| Street Address | 12022 CHARLOCK CT |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9117 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.045AC |
| Legal Lot Number | 31 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 2 |
| Census Block | 2016 |
| Census Tract | 30701 |
Source: Oldham County records · APN 06-28B-00-31
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 12022 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| Jun 29, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK LOUISVILLE |
| Jul 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Jun 21, 2019 | Warranty Deed, Transfer · Conventional Mortgage PARTNERS UNITED FINANCIAL LLC |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Jul 23, 2020 · Amount on Record |
| Deed Sale | Jul 23, 2020 · Amount on Record |
| Prior Sale | Jun 21, 2019 · Amount on Record |
| Deed Doc Number | 584483 |
| Deed Book / Page | D1254 / 446 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12022 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2397/682 |
|---|---|
| Date | Mar 16, 2020 |
| Book Page | M2397/682 |
| Instrument | 565857 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12022 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2425/429 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | M2425/429 |
| Instrument | 580234 |
| Name | FIFTH THIRD BANK LOUISVILLE |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 25, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jul 23, 2020 |
| Property Address | 12022 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Number | D1254/446 |
| Book / Page | D1254 / 446 |
| Map Reference | MB 5 PG 11 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 584483 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12022 CHARLOCK CT, 12022, PROSPECT, KY 40059-9117 |
| Name | Verified Name |
|---|---|
| Address | 12022 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Number | 584487 |
|---|---|
| Date | Jul 23, 2020 |
| Instrument | 584487 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jun 21, 2019 |
| Property Address | 12022 CHARLOCK CT, PROSPECT, KY 40059-9117 |
| Document Number | D1219/0602 |
| Book / Page | D1219 / 0602 |
| Map Reference | MB 5 PG 11 |
| Instrument Date | Jun 17, 2019 |
| Instrument | 553341 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12022 CHARLOCK CT, 12022, PROSPECT, KY 40059-9117 |
| Name | Verified Name |
|---|---|
| Address | 13510 SQUIRE SPRINGS CT, LOUISVILLE, KY 40245-7453 |
| Document Number | 553342 |
|---|---|
| Date | Jun 21, 2019 |
| Instrument | 553342 |
| Name | PARTNERS UNITED FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 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 | $11,554.00 (-0.4%) | $935,000 (-) Land $135,000 Building $800,000 | $935,000 (-) Land $135,000 Building $800,000 |
| 2023 | $11,600.00 | $935,000 Land $135,000 Building $800,000 | $935,000 Land $135,000 Building $800,000 |
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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