13200 Cherry Tree Ct, Prospect, KY 40059 Property Records

Oldham County property record for 13200 Cherry Tree Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,800 sqft · built 1976
Lot Size	0.99 acres (43,124 sqft)
Owner	2 Individual Names on Record
Last Sale	$537,500 (Jun 2026)
Tax Bill	$3,014 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02A-03-112`

Property Details

APN / Parcel Number

Primary APN	`02-02A-03-112`
Alternative APN	`10262`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,800 sqft Living Area
Basement Area	1,800 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.99 acres)
Garage Type	Basement
Garage Area	568 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	10262
Street Address	13200 CHERRY TREE CT
City	PROSPECT
State	KY
Zip	40059-9013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .99AC
Legal Subdivision	RIVER BLUFF FARMS
Legal Block	SEC 3
Legal Lot Number	112
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2001
Census Tract	30801

Owner

Source: Oldham County records, as of June 25, 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	13200 CHERRY TREE CT, PROSPECT, KY 40059-9013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Deed Document Number	2026866787
Deed Book / Page	1443 / 463
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Jun 8, 2026
Property Address	13200 CHERRY TREE CT, PROSPECT, KY 40059-9013
Document Number	0000866787
Book / Page	1443 / 463
Instrument Date	Jun 5, 2026
Instrument	2026866787
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	LIMESTONE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54,287.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	13200 CHERRY TREE CT, PROSPECT, KY 40059-9013

Mortgage

Document Number	0000866787,
Date	Jun 8, 2026
Book Page	2747/280
Instrument	2026866787

Lender

Name	NORTHPOINTE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Municipality	River Bluff City
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,014.00 (+12.09%) Homeowner's exemption	$290,000 (+11.54%) Land $50,000 Building $240,000	$290,000 (+11.54%) Land $50,000 Building $240,000
2023	$2,689.00 Homeowner's exemption	$260,000 Land $50,000 Building $210,000	$260,000 Land $50,000 Building $210,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1997–2017)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2017 · rainfall accumulation

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

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	Direct burnable vegetation

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	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

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 110 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
T-Mobile Fixed Wireless	100 / 20