Oldham County property record for 3618 E Locust Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,386 sqft · built 1978 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Apr 2018) |
| Tax Bill | $4,356 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-61 |
| Primary APN | 06-15-00-61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,386 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 59248 |
|---|---|
| Street Address | 3618 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .33AC |
| Legal Lot Number | 61 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30801 |
Source: Oldham County assessment roll, as of July 1, 2025
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 | 2 Verified Secondary Owners |
| Mailing Address | 3618 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 9, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Apr 9, 2018 · Amount on Record |
| Deed Sale | Apr 9, 2018 · Amount on Record |
| Deed Document Number | 537469 |
| Deed Book / Page | D1188 / 0237 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3618 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2482/505 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | M2482/505 |
| Instrument | 615430 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 9, 2018 |
| Property Address | 3618 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | D1188/0237 |
| Book / Page | D1188 / 0237 |
| Map Reference | MB3 PG84 |
| Instrument Date | Apr 4, 2018 |
| Instrument | 537469 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9104 FEATHERBELL BLVD, 9104, PROSPECT, KY 40059-7553 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3618 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 537470 |
|---|---|
| Date | Apr 9, 2018 |
| Instrument | 537470 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
Source: Oldham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,356.00 (+12.3%) | $350,000 (+12.9%) Land $50,000 Building $300,000 | $350,000 (+12.9%) Land $50,000 Building $300,000 |
| 2023 | $3,879.00 | $310,000 Land $40,000 Building $270,000 | $310,000 Land $40,000 Building $270,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 3 (1997–2017) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2017 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LOUISVILLE WATER COMPANY private · serves 806,997 people · EPA ID KY0560258 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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