Oldham County property record for 13414 Apple Tree Ln, Prospect, KY 40059 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 22,216 sqft (0.51 acres) |
| Occupancy | Owner Occupied |
| Tax Bill | $6,571.00 (2025) |
| Primary APN | 02-02A-01-8 |
|---|---|
| Alternative APN |
|
| Lot Area | 22,216 sqft (0.51 acres) |
|---|
| Account Number | 48586 |
|---|---|
| Street Address | 13414 APPLE TREE LN |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9019 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .51AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 8 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records · APN 02-02A-01-8
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 | 13414 APPLE TREE LN, PROSPECT, KY 40059-9019 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit L AND N FEDERAL CREDIT UNION |
| Jun 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage L&N FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Doc Number | 1049-372 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 20, 2026 |
| Property Address | 13414 APPLE TREE LN, PROSPECT, KY 40059-9019 |
| Document Number | 0000858853 |
| Book / Page | 2740 / 498 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 2026858853 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ACE TITLE, GRACE TITLE |
| Name | Verified Name |
|---|---|
| Address | 13414 APPLE TREE LN, PROSPECT, KY 40059-9019 |
| Document Number | 0000858853, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 2740/498 |
| Instrument | 2026858853 |
| Name | L AND N FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 13414 APPLE TREE LN, PROSPECT, KY 40059-9019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Title Company | BRIDGE TRUST TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0M2421/208 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | M2421/208 |
| Instrument | 577796 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 13414 APPLE TREE LN, PROSPECT, KY 40059-9019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2473/636 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | M2473/636 |
| Instrument | 610365 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Type Change Date | Jan 01, 2037 |
| Min Rate At Change | 3% |
| Max Rate At Change | 9% |
| Index | Other |
| Max Rate | 9% |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Municipality | River Bluff City |
| 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 | $6,571.00 (+5.52%) | $530,000 (+6%) Land $50,000 Building $480,000 | $530,000 (+6%) Land $50,000 Building $480,000 |
| 2023 | $6,227.00 | $500,000 Land $50,000 Building $450,000 | $500,000 Land $50,000 Building $450,000 |
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 |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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