Oldham County property record for 12802 Ridge Lock Ct, Prospect, KY 40059 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,506 sqft · built 1981 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $310,000 (Jun 2008) |
| Tax Bill | $4,244 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Feb 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-19B-01-65 |
| Primary APN | 06-19B-01-65 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,506 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 41326 |
|---|---|
| Street Address | 12802 RIDGE LOCK CT |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9171 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .38AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 65 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 30701 |
Source: Oldham County records · APN 06-19B-01-65
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 | 12802 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2022 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO |
| Feb 25, 2021 | Deed of Trust, Mortgage · VA Mortgage JFQ LENDING INC |
| Mar 30, 2020 | Deed of Trust, Mortgage · VA Mortgage STOCK YARDS BANK & TRUST CO |
| Jan 16, 2020 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 30, 2008 · Amount on Record |
| Deed Sale | Jun 30, 2008 · Amount on Record |
| Deed Document Number | 388678 |
| Deed Book / Page | D928 / 199 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12802 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 12802 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Document Number | 00M2608/43 |
|---|---|
| Date | Nov 14, 2022 |
| Book Page | M2608/43 |
| Instrument | 712675 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12802 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Transaction Type | Mortgage |
| Record Updated | Mar 08, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2494/1018 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | M2494/1018 |
| Instrument | 622947 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12802 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AGENCY TITLE INC |
| Name | Verified Name |
|---|
| Document Number | M2400/563 |
|---|---|
| Date | Mar 30, 2020 |
| Book Page | M2400/563 |
| Instrument | 567025 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40206 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 12802 RIDGE LOCK CT, PROSPECT, KY 40059-9171 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2388/0354 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | M2388/0354 |
| Instrument | 562253 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| 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 | $4,244.00 (+19.41%) Homeowner's exemption | $390,000 (+18.18%) Land $50,000 Building $340,000 | $390,000 (+18.18%) Land $50,000 Building $340,000 |
| 2023 | $3,554.00 Disabled Person's exemption | $330,000 Land $50,000 Building $280,000 | $330,000 Land $50,000 Building $280,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 229 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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