Oldham County property record for 3621 E Locust Cir, Prospect, KY 40059 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,200 sqft · built 1977 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,110 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage Jan 2018 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-76 |
| Primary APN | 06-15-00-76 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Building Area | 2,200 sqft Living Area |
| Basement Area | 1,100 sqft Basement |
| Family Room | Family Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Garage Area | 568 sqft Garage |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 37990 |
|---|---|
| Street Address | 3621 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & .35AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 4 |
| Legal Lot Number | 76 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-76
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 3621 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 28, 2018 | Deed of Trust, Mortgage · ARM THIRD FSLA OF CLEVELAND |
| Jan 18, 2018 | Deed of Trust, Mortgage · Reverse Mortgage REPUBLIC BANK & TRUST |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jan 24, 2007 |
| Transfer Doc | D888/338 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3621 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE CO |
| Name | Verified Name |
|---|
| Document Number | M2323/0107 |
|---|---|
| Date | Sep 28, 2018 |
| Book Page | M2323/0107 |
| Instrument | 544206 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Lending Institution |
| Address | CLEVELAND, OH 44105 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.19% |
| Type Change Date | Oct 01, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 2.19% |
| Max Rate At Change | 6.9% |
| Index | Prime Rate |
| Margin | 1 |
| Max Rate | 10.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3621 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 534826 |
|---|---|
| Date | Jan 18, 2018 |
| Book Page | M2292/716 |
| Instrument | 534826 |
| Name | REPUBLIC BANK & TRUST |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 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 | $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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