Oldham County property record for 3224 Deer Point Pl, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,815 sqft · built 2000 |
| Lot Size | 0.455 acres (19,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $500,000 (Sep 2017) |
| Tax Bill | $6,509 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-19-03-163 |
| Primary APN | 05-19-03-163 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,815 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 19,829 sqft (0.455 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 58021 |
|---|---|
| Street Address | 3224 DEER POINT PL |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .4552AC |
| Legal Block | SEC 3 |
| Legal Lot Number | 163 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 30801 |
3224 Deer Point Pl is owned and occupied by an individual who bought it in September 2017.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3224 DEER POINT PL, PROSPECT, KY 40059-8138 |
| 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 |
|---|---|
| Feb 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP |
| Mar 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCIAL GROUP LLC |
| Sep 7, 2017 | Warranty Deed, Transfer · Conventional Mortgage UNITED FINANCIAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 7, 2017 · Amount on File |
| Deed Sale | Sep 7, 2017 · Amount on File |
| Prior Sale | Jan 4, 2013 · Amount on File |
| Deed Document Number | 529837 |
| Deed Book / Page | D1171 / 172 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3224 DEER POINT PL, PROSPECT, KY 40059-8138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | M2490/1 |
|---|---|
| Date | Feb 10, 2021 |
| Book Page | M2490/1 |
| Instrument | 619864 |
| Name | PROVIDENT FUNDING ASSOCIATES LP |
|---|---|
| Type | Mortgage Company |
| Address | SANTA ROSA, CA 95401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 357 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3224 DEER POINT PL, PROSPECT, KY 40059-8138 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LOUISVILLE TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | M2395/872 |
|---|---|
| Date | Mar 5, 2020 |
| Book Page | M2395/872 |
| Instrument | 565123 |
| Name | UNITED FINANCIAL GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Address | 0242 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Apr 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Sep 7, 2017 |
| Property Address | 3224 DEER POINT PL, PROSPECT, KY 40059-8138 |
| Document Number | D1171/172 |
| Book / Page | D1171 / 172 |
| Map Reference | MB5 PG121 |
| Instrument Date | Sep 1, 2017 |
| Instrument | 529837 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | MATINGLY FORD TITLE SERVICES LLC, MATTINGLY FORD TITLE SVCS LL |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 APPLE RIDGE RD, 40, DANBURY, CT 06810-7301 |
| Name | Verified Name |
|---|---|
| Address | 3224 DEER POINT PL, PROSPECT, KY 40059-8138 |
| Document Number | 529838 |
|---|---|
| Date | Sep 7, 2017 |
| Instrument | 529838 |
| Name | UNITED FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 3224 Deer Point Pl was $6,509.
Source: Oldham County assessment roll, as of July 1, 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 | $6,509.00 | $525,000 Land $90,000 Building $435,000 | $525,000 Land $90,000 Building $435,000 |
| 2023 | $6,288.00 | $505,000 Land $80,000 Building $425,000 | $505,000 Land $80,000 Building $425,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3224 Deer Point Pl 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 3224 Deer Point Pl 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 211 locations within half a mile, as of December 31, 2025
| 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 Fixed Wireless | 100 / 20 |
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