1293 Locust Rd, Milton, KY 40045 Property Records

Carroll County property record for 1293 Locust Rd, Milton, KY 40045

Property Summary

Property Type	Single Family Home
Details	6 bd · 1 ba · 1,662 sqft
Lot Size	20.5 acres (893,416 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Feb 2024)
Tax Bill	$887 (2026)
Deeds & Mortgages	Jun 2025 Line of Credit Oct 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-08&06-31`

Property Details

APN / Parcel Number

Primary APN	`06-08&06-31`
Alternative APNs	`117941` `120161` `06-08` `81811`

Interior

Bedrooms	6 Beds
Full Baths	1 Bath
Total Rooms	10 Rooms
Building Area	1,662 sqft Building Perimeter
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Roof Material	Galvanized Metal
Lot Area	893,416 sqft (20.5 acres)
Terrain	Steep
Garage Area	630 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	120161
Street Address	1293 LOCUST RD
City	MILTON
State	KY
Zip	40045-6044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, STORE & 20.51 ACRES
Jurisdiction	CARROLL KY
Township / Civil Division	PRESTONVILLE
Census Block Group	1
Census Block	1043
Census Tract	950300

Owner

1293 Locust Rd is owned by two individuals who acquired it in October 2024.

Source: Carroll County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 BANKS DR, MILTON, KY 40045-6012
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2025	Deed of Trust, Mortgage · Line of Credit CINFED CU
Oct 17, 2024	Correction Deed
Jul 27, 2023	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2024 · Amount on File
Deed Sale	Feb 23, 2024 · Amount on File
Prior Sale	Jul 27, 2023 · Amount on File
Deed Book / Page	230 / 328
Last Transfer Date	Oct 16, 2024
Transfer Doc	00D232/571
Record Updated	Oct 29, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL KY
Property Address	1293 LOCUST RD, MILTON, KY 40045-6044
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1293 LOCUST RD, MILTON, KY 40045-6044

Mortgage

Document Number	00M295/629
Date	Jun 24, 2025
Book Page	M295/629
Instrument	2214218

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Correction Deed

Document Type	Correction Deed
Jurisdiction	CARROLL KY
Recording Date	Oct 17, 2024
Property Address	1293 LOCUST RD, MILTON, KY 40045-6044
Document Number	00D232/571
Book / Page	D232 / 571
Instrument Date	Oct 16, 2024
Instrument	2210715
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	389 BANKS DR, MILTON, KY 40045-6000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 BANKS DR, MILTON, KY 40045-6012

July 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL KY
Recording Date	Jul 27, 2023
Property Address	1293 LOCUST RD, MILTON, KY 40045-6044
Document Number	00D228/243
Book / Page	D228 / 243
Instrument Date	Jul 26, 2023
Instrument	2205609
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount on Record
Tax	$23.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	143 PALMYRA RD, BEDFORD, KY 40006-8140

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	389 BANKS DR, MILTON, KY 40045-6000

Tax Assessment & Valuation

The 2026 property tax bill for 1293 Locust Rd was $887, down 0.3% from the year before.

Source: Carroll County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Carroll County
Unified School District	Carroll County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$887.00 (-0.34%)	$83,700 (-) Land $2,700 Building $81,000	$186,000 (+122.22%) Land $105,000 Building $81,000
2025	$890.00	$83,700 Land $2,700 Building $81,000	$83,700 Land $2,700 Building $81,000
2023	$497.00 (+10.94%)	$45,000 (-) Land $5,000 Building $40,000	$45,000 (-) Land $5,000 Building $40,000
2022	$448.00	$45,000 Land $5,000 Building $40,000	$45,000 Land $5,000 Building $40,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1293 Locust Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	37 (1995–2025)
Claims Outside the SFHA	1 of 37
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 16 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 6 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1293 Locust Rd is low, with a 0.01% annual chance of wildfire.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CARROLLTON UTILITIES serves 6,851 people · EPA ID KY0210067
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	10 / 1

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Locust Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures