1903 Oriole Pl, Prospect, KY 40059 Property Records

Oldham County property record for 1903 Oriole Pl, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,090 sqft · built 1976
Lot Size	1.24 acres (54,014 sqft)
Owner	Individual Name on Record
Last Sale	$292,500 (Nov 2018)
Tax Bill	$4,048 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-02B-04-166`

Property Details

APN / Parcel Number

Primary APN	`04-02B-04-166`
Alternative APN	`60857`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,090 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	54,014 sqft (1.24 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	60857
Street Address	1903 ORIOLE PL
City	PROSPECT
State	KY
Zip	40059-9038
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.24AC
Legal Block	SEC 4
Legal Lot Number	166
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	1903 ORIOLE PL, PROSPECT, KY 40059-9038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit ECLIPSE BANK INC
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK
Nov 29, 2018	Deed, Transfer · ARM FIRST FINANCIAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2018 · Amount on Record
Deed Sale	Nov 29, 2018 · Amount on Record
Prior Sale	Dec 23, 2015 · Amount on Record
Deed Document Number	546304
Deed Book / Page	D1206 / 0130
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1903 ORIOLE PL, PROSPECT, KY 40059-9038
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2588/562
Date	Jun 8, 2022
Book Page	M2588/562
Instrument	693633

Lender

Name	ECLIPSE BANK INC
Type	Bank
Address	LOUISVILLE, KY 40207

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1903 ORIOLE PL, PROSPECT, KY 40059-9038
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2411/1024
Date	May 12, 2020
Book Page	M2411/1024
Instrument	573014

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1903 ORIOLE PL, PROSPECT, KY 40059-9038
Transaction Type	Mortgage
Record Updated	Jun 12, 2019
Title Company	LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2348/0041
Date	May 20, 2019
Book Page	M2348/0041
Instrument	551935

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

November 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Nov 29, 2018
Property Address	1903 ORIOLE PL, PROSPECT, KY 40059-9038
Document Number	D1206/0130
Book / Page	D1206 / 0130
Map Reference	MB3 PG49
Instrument Date	Nov 19, 2018
Instrument	546304
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	7984 WAYNESBORO WAY, 7984, WAYNESVILLE, OH 45068-7707

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1903 ORIOLE PL, PROSPECT, KY 40059-9038

Mortgage

Document Number	546305
Date	Nov 29, 2018
Instrument	546305

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Dec 1, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.5%
Index	1-Year CMT
Max Rate	10.5%

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	$4,048.00 (+10.51%)	$325,000 (+11.11%) Land $70,000 Building $255,000	$325,000 (+11.11%) Land $70,000 Building $255,000
2023	$3,663.00	$292,500 Land $70,000 Building $222,500	$292,500 Land $70,000 Building $222,500

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	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 163 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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