12801 Ridge Lock Ct, Prospect, KY 40059 Property Records

Oldham County property record for 12801 Ridge Lock Ct, Prospect, KY 40059 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,814 sqft · built 1987
Lot Size	0.51 acres (22,216 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,244 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-19B-01-71`

Property Details

APN / Parcel Number

Primary APN	`06-19B-01-71`
Alternative APN	`30208`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,814 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	30208
Street Address	12801 RIDGE LOCK CT
City	PROSPECT
State	KY
Zip	40059-9171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .51AC
Legal Block	SEC 1
Legal Lot Number	71
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2002
Census Tract	30701

Owner

Source: Oldham County records · APN 06-19B-01-71

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	12801 RIDGE LOCK CT, PROSPECT, KY 40059-9171
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Document Number	808-347
Record Updated	Jun 08, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	12801 RIDGE LOCK CT, PROSPECT, KY 40059-9171
Transaction Type	Mortgage
Record Updated	Oct 06, 2025
Title Company	BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12801 RIDGE LOCK CT, PROSPECT, KY 40059-9171

Mortgage

Document Number	0M2714/150
Date	Sep 25, 2025
Book Page	M2714/150
Instrument	828144

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2055

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
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	$4,244.00 (-2.95%) Homeowner's exemption	$390,000 (+11.43%) Land $50,000 Building $340,000	$390,000 (+11.43%) Land $50,000 Building $340,000
2023	$4,373.00	$350,000 Land $50,000 Building $300,000	$350,000 Land $50,000 Building $300,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · 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.