Oldham County property record for 3616 E Locust Cir, Prospect, KY 40059 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,068 sqft · built 1978 |
| Lot Size | 0.319 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $479,000 (Jan 2026) |
| Tax Bill | $4,110 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-62 |
| Primary APN | 06-15-00-62 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 2,068 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.319 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 60530 |
|---|---|
| Street Address | 3616 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .32AC |
| Legal Lot Number | 62 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-62
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 | 3616 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jan 05, 2026 | Warranty Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| Oct 01, 2018 | Warranty Deed, Transfer · Line of Credit JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 05, 2026 · Amount on Record |
| Deed Sale | Jan 05, 2026 · Amount on Record |
| Prior Sale | Oct 01, 2018 · Amount on Record |
| Deed Document Number | 843090 |
| Deed Book / Page | D1430 / 518 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3616 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2401/992 |
|---|---|
| Date | Apr 03, 2020 |
| Book Page | M2401/992 |
| Instrument | 567614 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jan 05, 2026 |
| Property Address | 3616 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0D1430/518 |
| Book / Page | D1430 / 518 |
| Map Reference | MB 3 PG 84 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 843090 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Title Company | AGENTS TITLE INC, AGENCY TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $479.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9781 OLD LANESVILLE RD, GEORGETOWN, IN 47122-9409 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3616 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0000843092 |
|---|---|
| Date | Jan 05, 2026 |
| Instrument | 843092 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 01, 2018 |
| Property Address | 3616 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | D1202/0068 |
| Book / Page | D1202 / 0068 |
| Map Reference | MB3 PG84 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 544255 |
| Transaction Type | Transfer |
| Record Updated | Jul 11, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 43 TOURNAMENT RD, ROTONDA WEST, FL 33947-2195 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3616 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0000544256 |
|---|---|
| Date | Oct 01, 2018 |
| Instrument | 544256 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 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 | $4,110.00 (+9.42%) | $330,000 (+1%) Land $50,000 Building $280,000 | $330,000 (+1%) Land $50,000 Building $280,000 |
| 2023 | $3,756.00 (+0.81%) | $300,000 (-) Land $40,000 Building $260,000 | $300,000 (-) Land $40,000 Building $260,000 |
| 2022 | $3,726.00 | $300,000 Land $40,000 Building $260,000 | $300,000 Land $40,000 Building $260,000 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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