13709 Mockingbird Dr, Prospect, KY 40059 Property Records

Oldham County property record for 13709 Mockingbird Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,045 sqft · built 1976
Lot Size	1.38 acres (60,112 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Jun 2021)
Tax Bill	$6,571 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-02B-01B-7`

Property Details

APN / Parcel Number

Primary APN	`04-02B-01B-7`
Alternative APN	`66700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,045 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Stone
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	60,112 sqft (1.38 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	66700
Street Address	13709 MOCKINGBIRD DR
City	PROSPECT
State	KY
Zip	40059-9026
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.38AC
Legal Block	SEC 1B
Legal Lot Number	7
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	3
Census Block	3021
Census Tract	30802

Owner

Source: Oldham County records, as of December 22, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	13709 MOCKINGBIRD DR, PROSPECT, KY 40059-9026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Jun 15, 2021	Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Apr 22, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Prior Sale	Apr 22, 2019 · Amount on Record
Deed Document Number	641388
Deed Book / Page	D1292 / 359
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	13709 MOCKINGBIRD DR, PROSPECT, KY 40059-9026
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2451/270
Date	Sep 22, 2020
Book Page	M2451/270
Instrument	596127

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Jun 15, 2021
Property Address	13709 MOCKINGBIRD DR, PROSPECT, KY 40059-9026
Document Number	0D1292/359
Book / Page	D1292 / 359
Map Reference	MB 3 PG 48
Instrument Date	Jun 10, 2021
Instrument	641388
Transaction Type	Transfer
Record Updated	Jan 17, 2022

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	1312 VANTAGE WAY, 1312, GREENVILLE, SC 29611-7579

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	13709 MOCKINGBIRD DR, PROSPECT, KY 40059-9026

Mortgage

Document Number	0000641389
Date	Jun 15, 2021
Instrument	641389

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Apr 22, 2019
Property Address	13709 MOCKINGBIRD DR, PROSPECT, KY 40059-9026
Document Number	D1215/0372
Book / Page	D1215 / 0372
Map Reference	MB 3 PG 48
Instrument Date	Apr 8, 2019
Instrument	550901
Transaction Type	Transfer
Record Updated	Nov 16, 2021

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	57 TATUM RD, 57, PENDLETON, KY 40055-7649

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13709 MOCKINGBIRD DR, PROSPECT, KY 40059-9026

Mortgage

Document Number	550902
Date	Apr 22, 2019
Instrument	550902

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 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	$6,571.00 (+4.5%)	$530,000 (+4.95%) Land $60,000 Building $470,000	$530,000 (+4.95%) Land $60,000 Building $470,000
2023	$6,288.00	$505,000 Land $60,000 Building $445,000	$505,000 Land $60,000 Building $445,000

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
Flood Insurance Cost	Premium on Record 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

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 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 (outdoors only) and 4G LTE

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