251 E Prong Locust Rd, Milton, KY 40045 Property Records

Carroll County property record for 251 E Prong Locust Rd, Milton, KY 40045

Property Summary

Property Type	Mobile Home
Details	1,216 sqft · built 1998
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Feb 2026)
Tax Bill	$850 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-31-03`

Property Details

APN / Parcel Number

Primary APN	`06-31-03`
Alternative APNs	`108591` `92181`

Interior

Stories	1 Story
Building Area	1,216 sqft Living Area

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Mobile Home
Exterior Material	Other
Lot Area	42,689 sqft (0.98 acres)
Lot Dimensions	192 ft deep x 226 ft wide
Terrain	Steep
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	108591
Street Address	251 E PRONG LOCUST RD
City	MILTON
State	KY
Zip	40045-6051
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	MOBILE & LOT
Jurisdiction	CARROLL KY
Township / Civil Division	PRESTONVILLE
Census Block Group	1
Census Block	1043
Census Tract	950300

Owner

Source: Carroll County records, as of October 20, 2026

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
Mailing Address	251 E PRONG LOCUST CREEK RD, MILTON, KY 40045
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Oct 11, 2023	Deed, Transfer UNITED CITIZENS BANK &TRUST CO
Feb 25, 2020	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2026 · Amount on Record
Deed Sale	Feb 19, 2026 · Amount on Record
Prior Sale	May 21, 2025 · Amount on Record
Deed Document Number	20262217543
Deed Book / Page	237 / 275
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL KY
Property Address	251 E PRONG LOCUST RD, MILTON, KY 40045-6051
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 E PRONG LOCUST RD, MILTON, KY 40045-6051

Mortgage

Document Number	000M301/73
Date	Feb 19, 2026
Book Page	M301/73
Instrument	2217544

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

October 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL KY
Recording Date	Oct 11, 2023
Property Address	251 LOCUST RD, MILTON, KY 40045
Document Number	00D229/154
Book / Page	D229 / 154
Instrument Date	Sep 26, 2023
Instrument	2206669
Transaction Type	Transfer
Record Updated	Nov 13, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	251 E PRONG LOCUST RD, MILTON, KY 40045-6051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 HARLEY ST, CARROLLTON, KY 41008-1441

Mortgage

Document Number	0002206670
Date	Oct 11, 2023
Instrument	2206670

Lender

Name	UNITED CITIZENS BANK &TRUST CO
Type	Bank

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Sep 26, 2038

February 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL KY
Recording Date	Feb 25, 2020
Property Address	251 LOCUST RD, MILTON, KY 40045
Document Number	00D214/640
Book / Page	D214 / 640
Instrument Date	Feb 24, 2020
Instrument	98306
Transaction Type	Transfer
Record Updated	Feb 23, 2022

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 E PRONG LOCUST RD, 300, MILTON, KY 40045-6051

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	251 E PRONG LOCUST RD, MILTON, KY 40045-6051

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$850.00 (+89.31%)	$80,000 (+1%) Land $25,000 Building $55,000	$80,000 (+1%) Land $25,000 Building $55,000
2025	$449.00 (+0.45%)	$40,000 (-) Land $18,000 Building $22,000	$40,000 (-) Land $18,000 Building $22,000
2023	$447.00 (+12.31%)	$40,000 (-) Land $18,000 Building $22,000	$40,000 (-) Land $18,000 Building $22,000
2022	$398.00	$40,000 Land $18,000 Building $22,000	$40,000 Land $18,000 Building $22,000

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 March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	37 (1995–2025)
Claims Outside the SFHA	1 of 37
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 16 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 6 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 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	CARROLLTON UTILITIES serves 6,851 people · EPA ID KY0210067
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Spectrum.

Cell Coverage

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

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