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3613 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3613 E Locust Cir, Prospect, KY 40059 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 1985
Square Footage2,727 sqft Living Area
Lot Size16,117 sqft (0.37 acres)
OccupancyOwner Occupied
Last Sale$235,000 (2012)
Tax Bill$3,752.00 (2025)

Property Details

APN / Parcel Number

Primary APN06-15-00-72
Alternative APN
  • 64145

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Building Area2,727 sqft Living Area
Basement Area1,621 sqft Basement
Family RoomFamily Room
Stories2 Stories

Exterior

Year BuiltBuilt 1985
Effective Year BuiltEffective 1985
Exterior MaterialBrick Veneer
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area16,117 sqft (0.37 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached
Garage Area568 sqft Garage

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number64145
Street Address3613 E LOCUST CIR
CityPROSPECT
StateKY
Zip40059-9020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE, IG POOL & .37AC
Legal SubdivisionRIVER BLUFF FARMS
Legal BlockSEC 4
Legal Lot Number72
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2007
Census Tract30801

Owner

Source: Oldham County records · APN 06-15-00-72

Assessment roll updated December 23, 2025 · Last verified April 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 Address3613 E LOCUST CIR, PROSPECT, KY 40059-9020
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 16, 2022Deed of Trust, Mortgage · Line of Credit
EVANSVILLE TEACHERS FCU
Jun 09, 2020Deed of Trust, Mortgage · Line of Credit
EVANSVILLE TEACHERS FCU
Jun 09, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
EVANSVILLE TEACHERS FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 03, 2012 · Amount on Record
Deed SaleDec 03, 2012 · Amount on Record
Deed Document Number2012458761
Deed Book / Page1040 / 529
Last Transfer DateJun 01, 2020
Transfer DocD1249/551
Record UpdatedJun 08, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3613 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedMar 01, 2022
Title CompanyLIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2571/1008
DateFeb 16, 2022
Book PageM2571/1008
Instrument678166
Lender
NameEVANSVILLE TEACHERS FCU
TypeCredit Union
AddressEVANSVILLE, IN 47715
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueFeb 15, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3613 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyLOUISVILLE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2420/262
DateJun 09, 2020
Book PageM2420/262
Instrument577376
Lender
NameEVANSVILLE TEACHERS FCU
TypeCredit Union
AddressEVANSVILLE, IN 47715
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueJun 15, 2030
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOLDHAM KY
Recording DateJun 09, 2020
Property Address3613 E LOCUST CIR, PROSPECT, KY 40059-9020
Document NumberD1249/551
Book / PageD1249 / 551
Map ReferenceMB 3 PG 84
Instrument DateJun 01, 2020
Instrument577374
Transaction TypeTransfer
Record UpdatedNov 16, 2021
Title CompanyLOUISVILLE TITLE AGENCY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address3613 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document Number577375
DateJun 09, 2020
Instrument577375
Lender
NameEVANSVILLE TEACHERS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJul 01, 2035

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 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$3,752.00 (+13.46%) Homeowner's exemption$350,000 (+12.9%) Land $50,000 Building $300,000$350,000 (+12.9%) Land $50,000 Building $300,000
2023$3,307.00 Homeowner's exemption$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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