13708 Mockingbird Dr, Prospect, KY 40059 Property Records

Oldham County property record for 13708 Mockingbird Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,460 sqft · built 1975
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Jul 2026)
Tax Bill	$4,787 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04-02B-01B-9`

Property Details

APN / Parcel Number

Primary APN	`04-02B-01B-9`
Alternative APN	`53532`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,460 sqft Living Area
Basement Area	790 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	53532
Street Address	13708 MOCKINGBIRD DR
City	PROSPECT
State	KY
Zip	40059-9026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1AC
Legal Subdivision	CARDINAL HARBOUR
Legal Block	SEC 1B
Legal Lot Number	9
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	3
Census Block	3021
Census Tract	30802

Owner

13708 Mockingbird Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Oldham County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	13708 MOCKINGBIRD DR, PROSPECT, KY 40059-9026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Jul 9, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUST COMPANY
Nov 9, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on File
Deed Sale	Jul 9, 2026 · Amount on File
Prior Sale	Aug 25, 2015 · Amount on File
Deed Document Number	2026872230
Deed Book / Page	1447 / 95
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Jul 9, 2026
Property Address	13708 MOCKINGBIRD DR, PROSPECT, KY 40059-9026
Document Number	0000872230
Book / Page	1447 / 95
Instrument Date	Jul 8, 2026
Instrument	2026872230
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,560.00
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	13708 MOCKINGBIRD DR, PROSPECT, KY 40059-9026

Mortgage

Document Number	0000872233,
Date	Jul 9, 2026
Instrument	2026872233

Lender

Name	TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	13708 MOCKINGBIRD DR, PROSPECT, KY 40059-9026
Transaction Type	Mortgage
Record Updated	Nov 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13708 MOCKINGBIRD DR, PROSPECT, KY 40059-9026

Mortgage

Document Number	M2555/337
Date	Nov 9, 2021
Book Page	M2555/337
Instrument	664687

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Oct 5, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 13708 Mockingbird Dr was $4,787.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,787.00	$385,000 Land $60,000 Building $325,000	$385,000 Land $60,000 Building $325,000
2023	$4,188.00	$335,000 Land $60,000 Building $275,000	$335,000 Land $60,000 Building $275,000

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

Flood

FEMA maps place 13708 Mockingbird Dr in Zone X, an area of minimal flood risk, though there have been 214 flood claims nearby since 1978.

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
Flood Insurance Cost	Premium on File median of 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	214 (1978–2026)
Claims Outside the SFHA	19 of 214
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 48 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 11 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 57 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 13708 Mockingbird Dr 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	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 52 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

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Mockingbird Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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