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3612 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3612 E Locust Cir, Prospect, KY 40059 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,577 sqft · built 1985
Lot Size0.319 acres (13,939 sqft)
OwnerIndividual Name on File
Last Sale$234,500 (Feb 2008)
Tax Bill$4,233 (2025)
Deeds & MortgagesJul 2023 Line of Credit
Jan 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-15-00-64

Property Details

APN / Parcel Number

Primary APN06-15-00-64
Alternative APN
  • 40578

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms10 Rooms
Stories2 Stories
Building Area2,577 sqft Living Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1985
Exterior MaterialBrick Veneer
Construction TypeFrame
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area13,939 sqft (0.319 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number40578
Street Address3612 E LOCUST CIR
CityPROSPECT
StateKY
Zip40059-9020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & .32AC
Legal Lot Number64
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2008
Census Tract30801

Owner

Source: Oldham County records · APN 06-15-00-64

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3612 E LOCUST CIR, PROSPECT, KY 40059-9020
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 17, 2023Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Jan 24, 2022Deed of Trust, Mortgage · Conventional Mortgage
PNC BANK NA
Sep 16, 2021Deed of Trust, Mortgage · Line of Credit
REPUBLIC BANK & TRUST CO
Jun 13, 2017Deed of Trust, Mortgage · Closed-End Mortgage
PNC BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 07, 2008 · Amount on Record
Deed SaleFeb 07, 2008 · Amount on Record
Deed Document Number381374
Deed Book / PageD917 / 093
Record UpdatedJun 08, 2026

July 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3612 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedAug 03, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3612 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document Number0M2630/809
DateJul 17, 2023
Book PageM2630/809
Instrument734756
Lender
NamePNC BANK NA
TypeBank
AddressDAYTON, OH 45401
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueJul 05, 2063
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3612 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedFeb 03, 2022
Title CompanyNATIONALLINK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0M2568/481
DateJan 24, 2022
Book PageM2568/481
Instrument675015
Lender
NamePNC BANK NA
TypeBank
AddressMIAMISBURG, OH 45342
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueFeb 01, 2037

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3612 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedSep 27, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3612 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document NumberM2544/182
DateSep 16, 2021
Book PageM2544/182
Instrument655649
Lender
NameREPUBLIC BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueSep 13, 2031
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3612 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2263/234
DateJun 13, 2017
Book PageM2263/234
Instrument525982
Lender
NamePNC BANK NA
TypeBank
AddressPROSPECT, KY 40059
Agreement
TypeClosed-End Mortgage
AmountAmount Recorded
Term72 Months
DueJun 15, 2023

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 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$4,233.00 (+9.13%)$340,000 (+9.68%) Land $50,000 Building $290,000$340,000 (+9.68%) Land $50,000 Building $290,000
2023$3,879.00$310,000 Land $40,000 Building $270,000$310,000 Land $40,000 Building $270,000

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

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; lenders make the official flood determination.

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