3209 Cherry Tree Ln, Prospect, KY 40059 Property Records

Oldham County property record for 3209 Cherry Tree Ln, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,525 sqft · built 1975
Lot Size	0.619 acres (27,007 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,383 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`02-02A-03-114`

Property Details

APN / Parcel Number

Primary APN	`02-02A-03-114`
Alternative APN	`5085`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,525 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.619 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	5085
Street Address	3209 CHERRY TREE LN
City	PROSPECT
State	KY
Zip	40059-9230
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .62AC
Legal Block	SEC 3
Legal Lot Number	114
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2001
Census Tract	30801

Owner

Source: Oldham County records · APN 02-02A-03-114

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	2 Individual Names on File
Mailing Address	3209 CHERRY TREE LN, PROSPECT, KY 40059-9230
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Deed Document Number	272-335
Record Updated	Jun 08, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3209 CHERRY TREE LN, PROSPECT, KY 40059-9230
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2423/277
Date	Jun 22, 2020
Book Page	M2423/277
Instrument	578946

Lender

Name	PNC BANK NA
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Municipality	River Bluff City
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

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	$3,383.00 (+6.28%) Homeowner's exemption	$320,000 (+6.67%) Land $50,000 Building $270,000	$320,000 (+6.67%) Land $50,000 Building $270,000
2023	$3,183.00 Homeowner's exemption	$300,000 Land $50,000 Building $250,000	$300,000 Land $50,000 Building $250,000

Flood & Wildfire

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

Flood

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

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 211 locations within half a mile of this property.

Drinking Water

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

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 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.