Oldham County property record for 12800 Ridge Lock Ct, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,390 sqft · built 1987 |
| Lot Size | 0.413 acres (17,999 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Feb 2020) |
| Tax Bill | $4,356 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Feb 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-19B-01-64 |
| Primary APN | 06-19B-01-64 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,390 sqft Living Area |
| Basement Area | 1,050 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,999 sqft (0.413 acres) |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Driveway | Asphalt Driveway |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 63474 |
|---|---|
| Street Address | 12800 RIDGE LOCK CT |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9171 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .4132AC |
| Legal Subdivision | COVERED BRIDGE FARM |
| Legal Block | SEC 1 |
| Legal Lot Number | 64 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 30701 |
Source: Oldham County records, as of March 23, 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 Record |
|---|---|
| Mailing Address | 12800 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO |
| Feb 4, 2020 | Deed, Transfer · FHA Mortgage CITIZENS UNION BANK OF SHELBYVILLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 4, 2020 · Amount on Record |
| Deed Sale | Feb 4, 2020 · Amount on Record |
| Prior Sale | Jun 1, 2012 · Amount on Record |
| Deed Document Number | 2020563067 |
| Deed Book / Page | 1239 / 137 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12800 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 12800 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Document Number | 0M2734/734 |
|---|---|
| Date | Mar 9, 2026 |
| Book Page | M2734/734 |
| Instrument | 851837 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40223 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 4, 2020 |
| Property Address | 12800 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Document Number | D1239/0137 |
| Book / Page | D1239 / 0137 |
| Map Reference | MB 3 PG 159 |
| Instrument Date | Dec 24, 2019 |
| Instrument | 563067 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3207 HILLCREEK CT, 3207, PROSPECT, KY 40059-8170 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 12800 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Document Number | 563068 |
|---|---|
| Date | Feb 4, 2020 |
| Instrument | 563068 |
| Name | CITIZENS UNION BANK OF SHELBYVILLE |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2050 |
Source: Oldham County assessment roll, as of December 23, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,356.00 (+7.16%) | $350,000 (+7.69%) Land $50,000 Building $300,000 | $350,000 (+7.69%) Land $50,000 Building $300,000 |
| 2023 | $4,065.00 | $325,000 Land $50,000 Building $275,000 | $325,000 Land $50,000 Building $275,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 229 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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