Oldham County property record for 3504 Raintree Ct, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,302 sqft · built 1975 |
| Lot Size | 0.9 acres (39,204 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $464,788 (Oct 2021) |
| Tax Bill | $5,765 (2025) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage Feb 2021 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02A-03-80 |
| Primary APN | 02-02A-03-80 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,302 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Exterior Material | Stone |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 39,204 sqft (0.9 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 67433 |
|---|---|
| Street Address | 3504 RAINTREE CT |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .90AC |
| Legal Block | SEC 3 |
| Legal Lot Number | 80 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 30801 |
3504 Raintree Ct is owned and occupied by two individuals who bought it in October 2021.
Source: Oldham County records, as of December 22, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| Feb 25, 2021 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Mar 22, 2018 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 10, 2017 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU INC |
| May 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC |
| Sep 29, 2020 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Oct 1, 2021 · Amount on File |
| Deed Sale | Oct 1, 2021 · Amount on File |
| Deed Document Number | 658286 |
| Deed Book / Page | D1305 / 96 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 1, 2021 |
| Property Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Document Number | D1305/96 |
| Book / Page | D1305 / 96 |
| Map Reference | MB 2 PG 55 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 658286 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2021 |
| 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 | 305 PALAZZO CIR APT 112, 305, LOUISVILLE, KY 40222-5804 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Document Number | 658289 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 658289 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2021 |
| Title Company | HIGH STREET TITLE COMPANY, HIGH STREET TITLE CO |
| Name | Verified Name |
|---|
| Document Number | M2494/753 |
|---|---|
| Date | Feb 25, 2021 |
| Book Page | M2494/753 |
| Instrument | 622892 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTINGLY TITLE G |
| Name | Verified Name |
|---|
| Document Number | M2298/0999 |
|---|---|
| Date | Mar 22, 2018 |
| Book Page | M2298/0999 |
| Instrument | 536843 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | TROY, MI 48083 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2255/198 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | M2255/198 |
| Instrument | 523594 |
| Name | COMMONWEALTH CU INC |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FREIBERT & MATTINGLY TTL GRO |
| Name | Verified Name |
|---|
| Document Number | M2412/577 |
|---|---|
| Date | May 13, 2020 |
| Book Page | M2412/577 |
| Instrument | 573141 |
| Name | ARK-LA-TEX FINANCIAL SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3504 RAINTREE CT, PROSPECT, KY 40059-9007 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Name | Verified Name |
|---|
| Document Number | M2453/71 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | M2453/71 |
| Instrument | 597409 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 28, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 3504 Raintree Ct was $5,765.
Source: Oldham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Municipality | River Bluff City |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,765.00 | $464,500 Land $50,000 Building $414,500 | $464,500 Land $50,000 Building $414,500 |
| 2023 | $5,788.00 | $464,500 Land $50,000 Building $414,500 | $464,500 Land $50,000 Building $414,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3504 Raintree Ct in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.
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 | 1 in force |
| Nearby Flood Claims | 3 (1997–2017) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2017 · rainfall accumulation |
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 3504 Raintree Ct 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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