13403 Apple Tree Ln, Prospect, KY 40059 Property Records

Oldham County property record for 13403 Apple Tree Ln, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,925 sqft · built 1973
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$311,000 (Feb 2020)
Tax Bill	$4,233 (2025)
Deeds & Mortgages	Feb 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02A-01-13`

Property Details

APN / Parcel Number

Primary APN	`02-02A-01-13`
Alternative APN	`63604`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,925 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	28,314 sqft (0.65 acres)
Garage Type	Attached
Garage Area	568 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	63604
Street Address	13403 APPLE TREE LN
City	PROSPECT
State	KY
Zip	40059-9019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .65AC
Legal Subdivision	RIVER BLUFF FARMS
Legal Block	SEC 1
Legal Lot Number	13
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 December 23, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	13403 APPLE TREE LN, PROSPECT, KY 40059-9019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2020 · Amount on Record
Deed Sale	Feb 25, 2020 · Amount on Record
Prior Sale	Aug 19, 2010 · Amount on Record
Deed Document Number	2020564209
Deed Book / Page	1240 / 444
Prior Transfer Date	Jun 17, 2009
Prior Transfer Doc	D953/012
Record Updated	Jun 8, 2026

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Feb 25, 2020
Property Address	13403 APPLE TREE LN, PROSPECT, KY 40059-9019
Document Number	D1240/444
Book / Page	D1240 / 444
Map Reference	MB 1 PG 32
Instrument Date	Feb 19, 2020
Instrument	564209
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	275 FOXHEAD SHORES DR, 275, LINN CREEK, MO 65052-2567

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13403 APPLE TREE LN, PROSPECT, KY 40059-9019

Mortgage

Document Number	564210
Date	Feb 25, 2020
Instrument	564210

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

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	$4,233.00 (+8.76%)	$340,000 (+9.32%) Land $50,000 Building $290,000	$340,000 (+9.32%) Land $50,000 Building $290,000
2023	$3,892.00	$311,000 Land $50,000 Building $261,000	$311,000 Land $50,000 Building $261,000

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

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	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	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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20