Oldham County property record for 14514 Oldham Acres Rd, Prospect, KY 40059 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,533 sqft · built 1955 |
| Lot Size | 0.575 acres (25,047 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (May 2014) |
| Tax Bill | $1,599 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-01B-01-95 |
| Primary APN | 01-01B-01-95 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,533 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Wood Shingle |
| Lot Area | 25,047 sqft (0.575 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 50799 |
|---|---|
| Street Address | 14514 OLDHAM ACRES RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, GARAGE & .575AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 95 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30801 |
Source: Oldham County records · APN 01-01B-01-95
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 14514 OLDHAM ACRES RD, PROSPECT, KY 40059-9146 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Feb 03, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SERVICE ONE CU INC |
| Jan 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 28, 2014 · Amount on Record |
| Deed Sale | May 28, 2014 · Amount on Record |
| Deed Document Number | 481311 |
| Deed Book / Page | D1082 / 303 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 14514 OLDHAM ACRES RD, PROSPECT, KY 40059-9146 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2021 |
| Title Company | ACUITY TITLE |
| Name | Verified Name |
|---|
| Document Number | M2514/652 |
|---|---|
| Date | May 07, 2021 |
| Book Page | M2514/652 |
| Instrument | 635412 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 14514 OLDHAM ACRES RD, PROSPECT, KY 40059-9146 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FOREMAN WATSON LAND TITLE LLC, FOREMAN WATSON LAND TITLE LL |
| Name | Verified Name |
|---|
| Document Number | 2247/666 |
|---|---|
| Date | Feb 03, 2017 |
| Book Page | 2247/666 |
| Instrument | 520809 |
| Name | SERVICE ONE CU INC |
|---|---|
| Type | Credit Union |
| Address | BOWLING GREEN, KY 42102 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Min Rate At Change | 2.87% |
| Max Rate At Change | 4.87% |
| Max Rate | 8% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 14514 OLDHAM ACRES RD, PROSPECT, KY 40059-9146 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MATTINGLY FORD TTL SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | M2388/0209 |
|---|---|
| Date | Jan 16, 2020 |
| Book Page | M2388/0209 |
| Instrument | 562240 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| 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 | $1,599.00 (-10.12%) Homeowner's exemption | $175,000 (+25%) Land $40,000 Building $135,000 | $175,000 (+25%) Land $40,000 Building $135,000 |
| 2023 | $1,779.00 | $140,000 Land $40,000 Building $100,000 | $140,000 Land $40,000 Building $100,000 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850308011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 93 individual NFIP policies nearby |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 776 (1978–2025) |
| Claims Outside the SFHA | 47 of 776 |
| Most Recent Claim | Apr 2025, other causes, Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 55 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
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