Oldham County property record for 3605 E Locust Cir, Prospect, KY 40059 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,166 sqft · built 1977 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Feb 2025) |
| Tax Bill | $4,922 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-68 |
| Primary APN | 06-15-00-68 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,166 sqft Living Area |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 74326 |
|---|---|
| Street Address | 3605 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & .35AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 4 |
| Legal Lot Number | 68 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-68
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3605 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 18, 2022 | Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 04, 2025 · Amount on Record |
| Deed Sale | Feb 04, 2025 · Amount on Record |
| Prior Sale | Feb 18, 2022 · Amount on Record |
| Deed Document Number | 2025795991 |
| Deed Book / Page | 1403 / 115 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | May 28, 2026 |
| Property Address | 3605 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0000864944 |
| Book / Page | 2745 / 599 |
| Instrument Date | May 20, 2026 |
| Instrument | 2026864944 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 3605 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0000864944, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 2745/599 |
| Instrument | 2026864944 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 18, 2022 |
| Property Address | 3605 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 00D1319/80 |
| Book / Page | D1319 / 80 |
| Map Reference | MB 3 PG 8 |
| Instrument Date | Feb 11, 2022 |
| Instrument | 678484 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2407 IRISH BEND CT, 2407, FISHERVILLE, KY 40023-8802 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3605 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0000678485 |
|---|---|
| Date | Feb 18, 2022 |
| Instrument | 678485 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| 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 | $4,922.00 (-0.4%) | $396,000 (-) Land $40,000 Building $356,000 | $396,000 (-) Land $40,000 Building $356,000 |
| 2023 | $4,942.00 | $396,000 Land $40,000 Building $356,000 | $396,000 Land $40,000 Building $356,000 |
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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