Oldham County property record for 3004 Albrecht Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,209 sqft · built 1997 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $680,000 (Feb 2024) |
| Tax Bill | $8,416 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2024 Sale & Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-19-01-72 |
| Primary APN | 05-19-01-72 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 3,209 sqft Living Area |
| Basement Area | 2,044 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Garage Type | Attached |
| Garage Area | 770 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 72342 |
|---|---|
| Street Address | 3004 ALBRECHT DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .430AC |
| Legal Subdivision | HILLCREST |
| Legal Block | SEC 1 |
| Legal Lot Number | 72 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 30801 |
3004 Albrecht Dr is owned and occupied by two individuals who bought it in February 2024.
Source: Oldham County records, as of June 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 9, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 6, 2024 | Deed, Transfer · Conventional Mortgage UMORTGAGE LLC |
| Oct 4, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Aug 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Aug 24, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Dec 2, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK |
| Oct 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK |
| Sep 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN HOME MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2024 · Amount on File |
| Deed Sale | Feb 6, 2024 · Amount on File |
| Prior Sale | Jul 17, 2015 · Amount on File |
| Deed Document Number | 2024754433 |
| Deed Book / Page | 1375 / 426 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jun 9, 2026 |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Document Number | 0000866928 |
| Book / Page | 2747 / 426 |
| Instrument Date | May 26, 2026 |
| Instrument | 2026866928 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Document Number | 0000866928, |
|---|---|
| Date | Jun 9, 2026 |
| Book Page | 2747/426 |
| Instrument | 2026866928 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 6, 2024 |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Document Number | 0D1375/426 |
| Book / Page | D1375 / 426 |
| Map Reference | MB 5 PG 80 |
| Instrument Date | Jan 30, 2024 |
| Instrument | 754433 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2024 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1132 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Name | Verified Name |
|---|---|
| Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Document Number | 0000754436 |
|---|---|
| Date | Feb 6, 2024 |
| Instrument | 754436 |
| Name | UMORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2638/894 |
|---|---|
| Date | Oct 4, 2023 |
| Book Page | M2638/894 |
| Instrument | 743583 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2023 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0M2632/586 |
|---|---|
| Date | Aug 1, 2023 |
| Book Page | M2632/586 |
| Instrument | 736690 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Jul 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Title Company | BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0M2598/959 |
|---|---|
| Date | Aug 24, 2022 |
| Book Page | M2598/959 |
| Instrument | 703490 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2021 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0M2559/911 |
|---|---|
| Date | Dec 2, 2021 |
| Book Page | M2559/911 |
| Instrument | 668349 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2455/442 |
|---|---|
| Date | Oct 6, 2020 |
| Book Page | M2455/442 |
| Instrument | 598840 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3004 ALBRECHT DR, PROSPECT, KY 40059-8105 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2019 |
| Title Company | RESEARCH TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | M2370/0001 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | M2370/0001 |
| Instrument | 557709 |
| Name | MERIDIAN HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | WESTMINSTER, MD 21157 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2039 |
The 2025 property tax bill for 3004 Albrecht Dr was $8,416.
Source: Oldham County assessment roll, as of December 23, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,416.00 | $680,000 Land $90,000 Building $590,000 | $680,000 Land $90,000 Building $590,000 |
| 2023 | $5,918.00 | $475,000 Land $90,000 Building $385,000 | $475,000 Land $90,000 Building $385,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3004 Albrecht Dr in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 2 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 risk around 3004 Albrecht Dr is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 23 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 |
| Verizon Fixed Wireless | 300 / 20 |
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