3610 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3610 E Locust Cir, Prospect, KY 40059 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1984
Square Footage	2,279 sqft Living Area
Lot Size	13,504 sqft (0.31 acres)
Occupancy	Owner Occupied
Last Sale	$230,000 (2009)
Tax Bill	$4,110.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-15-00-65`
Alternative APN	`43512`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Building Area	2,279 sqft Living Area
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Basement

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	43512
Street Address	3610 E LOCUST CIR
City	PROSPECT
State	KY
Zip	40059-9020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .31AC
Legal Lot Number	65
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2008
Census Tract	30801

Owner

Source: Oldham County records · APN 06-15-00-65

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3610 E LOCUST CIR, PROSPECT, KY 40059-9020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 10, 2009 · Amount on Record
Deed Sale	Dec 10, 2009 · Amount on Record
Deed Document Number	412041
Deed Book / Page	D964 / 489
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3610 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction Type	Mortgage
Record Updated	Dec 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 533274
Date	Dec 04, 2017
Book Page	M2287/262
Instrument	533274

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Government Agency
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 01, 2032

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
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	$4,110.00 (+13.16%)	$330,000 (+13.79%) Land $50,000 Building $280,000	$330,000 (+13.79%) Land $50,000 Building $280,000
2023	$3,632.00	$290,000 Land $40,000 Building $250,000	$290,000 Land $40,000 Building $250,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.