Oldham County property record for 3115 Cherry Tree Ln, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,411 sqft · built 1975 |
| Lot Size | 0.66 acres (28,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $470,000 (Sep 2021) |
| Tax Bill | $6,078 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage May 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02A-03-107 |
| Primary APN | 02-02A-03-107 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,411 sqft Living Area |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 28,750 sqft (0.66 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 67370 |
|---|---|
| Street Address | 3115 CHERRY TREE LN |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & .66AC |
| Legal Block | SEC 3 |
| Legal Lot Number | 107 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records · APN 02-02A-03-107
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 | 3115 CHERRY TREE LN, PROSPECT, KY 40059-9014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed, Transfer · Conventional Mortgage TRUIST BANK |
| May 10, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC |
| Dec 05, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 22, 2021 · Amount on Record |
| Deed Sale | Sep 22, 2021 · Amount on Record |
| Prior Sale | Dec 05, 2018 · Amount on Record |
| Deed Document Number | 656711 |
| Deed Book / Page | D1303 / 451 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Sep 22, 2021 |
| Property Address | 3115 CHERRY TREE LN, PROSPECT, KY 40059-9014 |
| Document Number | D1303/451 |
| Book / Page | D1303 / 451 |
| Map Reference | MB 2 PG 56 |
| Instrument Date | Sep 02, 2021 |
| Instrument | 656711 |
| Transaction Type | Transfer |
| Record Updated | Oct 01, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3115 CHERRY TREE LN, PROSPECT, KY 40059-9014 |
| Document Number | 656712 |
|---|---|
| Date | Sep 22, 2021 |
| Instrument | 656712 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3115 CHERRY TREE LN, PROSPECT, KY 40059-9014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | M2258/979 |
|---|---|
| Date | May 10, 2017 |
| Book Page | M2258/979 |
| Instrument | 524747 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 05, 2018 |
| Property Address | 3115 CHERRY TREE LN, PROSPECT, KY 40059-9014 |
| Document Number | D1206/0458 |
| Book / Page | D1206 / 0458 |
| Map Reference | MB2 PG56 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 546536 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2917 COUNTY LINE RDC, 2917, BEAVERCREEK, OH 45430 |
| Name | Verified Name |
|---|---|
| Address | 3115 CHERRY TREE LN, PROSPECT, KY 40059-9014 |
| Document Number | 546537 |
|---|---|
| Date | Dec 05, 2018 |
| Instrument | 546537 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2048 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Municipality | River Bluff City |
| 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 | $6,078.00 (+3.79%) | $490,000 (+4.26%) Land $50,000 Building $440,000 | $490,000 (+4.26%) Land $50,000 Building $440,000 |
| 2023 | $5,856.00 | $470,000 Land $50,000 Building $420,000 | $470,000 Land $50,000 Building $420,000 |
Source: FEMA National Flood Hazard Layer as of October 15, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1997–2017) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2017 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 110 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LOUISVILLE WATER COMPANY private · serves 806,997 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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