Oldham County property record for 3203 Cherry Tree Ln, Prospect, KY 40059 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1975 |
| Square Footage | 2,445 sqft Living Area |
| Lot Size | 44,431 sqft (1.02 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $348,000 (2019) |
| Tax Bill | $5,033.00 (2025) |
| Primary APN | 02-02A-03-109 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,445 sqft Living Area |
| Basement Area | 1,221 sqft Basement |
| Family Room | Family Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 44,431 sqft (1.02 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 568 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 64647 |
|---|---|
| Street Address | 3203 CHERRY TREE LN |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9232 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & 1.02AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 3 |
| Legal Lot Number | 109 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records · APN 02-02A-03-109
Assessment roll updated December 23, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3203 CHERRY TREE LN, PROSPECT, KY 40059-9232 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 23, 2024 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO |
| Oct 30, 2019 | Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST CO |
| Apr 02, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| Aug 13, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 20, 2019 · Amount on Record |
| Deed Sale | Sep 20, 2019 · Amount on Record |
| Deed Doc Number | 2019557337 |
| Deed Book / Page | 1227 / 266 |
| Last Transfer Date | Aug 10, 2020 |
| Transfer Doc | D1257/222 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3203 CHERRY TREE LN, PROSPECT, KY 40059-9232 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3203 CHERRY TREE LN, PROSPECT, KY 40059-9232 |
| Document Number | 0M2650/246 |
|---|---|
| Date | Feb 23, 2024 |
| Book Page | M2650/246 |
| Instrument | 755472 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3203 CHERRY TREE LN, PROSPECT, KY 40059-9232 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2376/0238 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | M2376/0238 |
| Instrument | 559233 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3203 CHERRY TREE LN, PROSPECT, KY 40059-9232 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LOUISVILLE TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | M2401/565 |
|---|---|
| Date | Apr 02, 2020 |
| Book Page | M2401/565 |
| Instrument | 567495 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Aug 13, 2020 |
| Property Address | 3203 CHERRY TREE LN, PROSPECT, KY 40059-9232 |
| Document Number | D1257/222 |
| Book / Page | D1257 / 222 |
| Map Reference | MB 2 PG 56 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 588543 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 3203 CHERRY TREE LN, PROSPECT, KY 40059-9232 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 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 | $5,033.00 (+4.72%) | $405,000 (+5.19%) Land $55,000 Building $350,000 | $405,000 (+5.19%) Land $55,000 Building $350,000 |
| 2023 | $4,806.00 | $385,000 Land $55,000 Building $330,000 | $385,000 Land $55,000 Building $330,000 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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