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2902 Circle Crest Ct, Prospect, KY 40059 Property Records

Oldham County property record for 2902 Circle Crest Ct, Prospect, KY 40059

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 4,138 sqft · built 2003
Lot Size0.471 acres (20,543 sqft)
OwnerIndividual Name on Record
Last Sale$450,975 (Apr 2018)
Tax Bill$6,817 (2025)
Deeds & MortgagesMay 2018 Mortgage
Dec 2021 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN05-19-05-354

Property Details

APN / Parcel Number

Primary APN05-19-05-354
Alternative APN
  • 59450

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Total Rooms11 Rooms
Stories2 Stories
Building Area4,138 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Exterior MaterialCombination
Construction TypeFrame
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area20,543 sqft (0.471 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number59450
Street Address2902 CIRCLE CREST CT
CityPROSPECT
StateKY
Zip40059-7114
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & .4716AC
Legal BlockSEC 5
Legal Lot Number354
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group3
Census Block3006
Census Tract30801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3601 CONSTANTINE DR, PROSPECT, KY 40059-9506
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 17, 2018Deed of Trust, Mortgage · ARM
REPUBLIC BANK & TRUST CO
Dec 15, 2021Deed of Trust, Mortgage · Conventional Mortgage
REPUBLIC BANK & TRUST CO
Mar 9, 2022Deed of Trust, Mortgage · Line of Credit
REPUBLIC BANK & TRUST CO
Apr 17, 2018Special Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE CO
Aug 24, 2017Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 17, 2018 · Amount on Record
Deed SaleApr 17, 2018 · Amount on Record
Prior SaleAug 24, 2017 · Amount on Record
Deed Document Number537822
Deed Book / PageD1189 / 0103
Record UpdatedJun 8, 2026

May 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address2902 CIRCLE CREST CT, PROSPECT, KY 40059-7114
Transaction TypeMortgage
Record UpdatedAug 10, 2022
Title CompanyLIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2305/0383
DateMay 17, 2018
Book PageM2305/0383
Instrument538847
Lender
NameREPUBLIC BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueJun 1, 2048
Interest
Rate TypeAdjustable Rate
Rate4.25%
Type Change DateJun 1, 2025
Change FrequencyAnnually
Min Rate At Change2.75%
Max Rate At Change9.25%
Index1-Year LIBOR
Max Rate9.25%

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address2902 CIRCLE CREST CT, PROSPECT, KY 40059-7114
Transaction TypeMortgage
Record UpdatedAug 10, 2022
Title CompanyLIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0M2562/602
DateDec 15, 2021
Book PageM2562/602
Instrument670329
Lender
NameREPUBLIC BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 1, 2037

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address2902 CIRCLE CREST CT, PROSPECT, KY 40059-7114
Transaction TypeMortgage
Record UpdatedAug 10, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2902 CIRCLE CREST CT, PROSPECT, KY 40059-7114

Mortgage

Document Number0M2575/405
DateMar 9, 2022
Book PageM2575/405
Instrument681297
Lender
NameREPUBLIC BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term119 Months
DueFeb 23, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOLDHAM KY
Recording DateApr 17, 2018
Property Address2902 CIRCLE CREST CT, PROSPECT, KY 40059-7114
Document NumberD1189/0103
Book / PageD1189 / 0103
Map ReferenceMB6 PG31
Instrument DateFeb 14, 2018
Instrument537822
Transaction TypeTransfer
Record UpdatedAug 10, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE CO

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address3601 CONSTANTINE DR, PROSPECT, KY 40059-9506

August 2017: Commissioner's Deed, Foreclosure

Document TypeCommissioner's Deed
JurisdictionOLDHAM KY
Recording DateAug 24, 2017
Property Address2902 CIRCLE CREST CT, PROSPECT, KY 40059-7114
Document Number0D1170/074
Book / PageD1170 / 074
Map ReferenceMB766 PG192
Instrument DateJul 31, 2017
Instrument529319
Transaction TypeForeclosure
Record UpdatedAug 10, 2022

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address7105 CORPORATE DR, PLANO, TX 75024-4100
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyOldham County
Unified School DistrictOldham County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,817.00 (+9.47%)$550,000 (+1%) Land $100,000 Building $450,000$550,000 (+1%) Land $100,000 Building $450,000
2023$6,227.00$500,000 Land $100,000 Building $400,000$500,000 Land $100,000 Building $400,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force

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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemLOUISVILLE WATER COMPANY
private · serves 806,997 people · EPA ID KY0560258
Water SourceSurface water
Last State InspectionOct 2023
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 253 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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