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3603 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3603 E Locust Cir, Prospect, KY 40059 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,447 sqft · built 1978
Lot Size0.42 acres (18,295 sqft)
Owner2 Individual Names on File
Last Sale$315,000 (Jun 2017)
Tax Bill$4,356 (2025)
Deeds & MortgagesMay 2026 Line of Credit
Feb 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-15-00-67

Property Details

APN / Parcel Number

Primary APN06-15-00-67
Alternative APN
  • 57387

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,447 sqft Living Area
Basement Area1,280 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Exterior MaterialBrick Veneer
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area18,295 sqft (0.42 acres)
Garage TypeBasement
Garage Area568 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number57387
Street Address3603 E LOCUST CIR
CityPROSPECT
StateKY
Zip40059-9020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & .42AC
Legal SubdivisionRIVER BLUFF FARMS
Legal BlockSEC 4
Legal Lot Number67
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2007
Census Tract30801

Owner

Source: Oldham County records · APN 06-15-00-67

Assessment roll updated December 23, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3603 E LOCUST CIR, PROSPECT, KY 40059-9020
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 14, 2026Deed of Trust, Mortgage · Line of Credit
TRUST BANK
Feb 17, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP
Jun 12, 2017Warranty Deed, Transfer · Conventional Mortgage
JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 12, 2017 · Amount on Record
Deed SaleJun 12, 2017 · Amount on Record
Prior SaleOct 24, 2007 · Amount on Record
Deed Document Number2017525924
Deed Book / Page1163 / 153
Record UpdatedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Recording DateMay 14, 2026
Property Address3603 E LOCUST CIR, PROSPECT, KY 40059-9020
Document Number0000863051
Book / Page2744 / 56
Instrument DateApr 15, 2026
Instrument2026863051
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyBLYTHE TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3603 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document Number0000863051,
DateMay 14, 2026
Book Page2744/56
Instrument2026863051
Lender
NameTRUST BANK
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueApr 15, 2056
Interest
Rate6.22%
Max Rate-1%

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3603 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedFeb 25, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2491/452
DateFeb 17, 2021
Book PageM2491/452
Instrument620790
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2051

June 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOLDHAM KY
Recording DateJun 12, 2017
Property Address3603 E LOCUST CIR, PROSPECT, KY 40059-9020
Document NumberD1163/153
Book / PageD1163 / 153
Map ReferenceMB3 PG84
Instrument DateJun 06, 2017
Instrument525924
Transaction TypeTransfer
Record UpdatedNov 16, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2905 DARBY CREEK DR, 2905, CRESTWOOD, KY 40014-6549

Transferred To (Grantee/Buyer)

NameVerified Name
Address3603 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document Number525925
DateJun 12, 2017
Instrument525925
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2047

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateKentucky
CountyOldham County
Unified School DistrictOldham 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,356.00 (+10.53%)$350,000 (+11.11%) Land $50,000 Building $300,000$350,000 (+11.11%) Land $50,000 Building $300,000
2023$3,941.00$315,000 Land $40,000 Building $275,000$315,000 Land $40,000 Building $275,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850308012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Nearby Flood Policies1 in force
1 of 1 on primary residences
Nearby Flood Claims3 (1997–2017)
Claims Outside the SFHA2 of 3
Most Recent ClaimApr 2017, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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.

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