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3623 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3623 E Locust Cir, Prospect, KY 40059 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,218 sqft · built 1978
Lot Size0.34 acres (14,810 sqft)
Owner2 Individual Names on File
Last Sale$402,000 (Sep 2023)
Tax Bill$4,996 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
Aug 2023 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN06-15-00-77

Property Details

APN / Parcel Number

Primary APN06-15-00-77
Alternative APNs
  • 61881
  • 71468

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,218 sqft Living Area
Basement Area1,103 sqft
Family RoomFamily Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area14,810 sqft (0.34 acres)
Garage TypeAttached
Garage Area568 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number71468
Street Address3623 E LOCUST CIR
CityPROSPECT
StateKY
Zip40059-9020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & .34AC
Legal SubdivisionRIVER BLUFF FARMS
Legal BlockSEC 4
Legal Lot Number77
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2007
Census Tract30801

Owner

Source: Oldham County records · APN 06-15-00-77

Assessment roll updated December 23, 2025 · Last verified August 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 Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 11, 2023Deed, Transfer · VA Mortgage
RUOFF MORTGAGE COMPANY INC
Aug 04, 2023Deed of Trust, Mortgage · Conventional Mortgage
REPUBLIC BANK & TRUST CO
Mar 22, 2018Deed of Trust, Mortgage · Commercial Mortgage
CITIZENS UNION BANK
Sep 16, 2020Deed of Trust, Mortgage · Conventional Mortgage
REPUBLIC BANK & TRUST
May 29, 2019Warranty Deed, Transfer · Conventional Mortgage
STATEWIDE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 11, 2023 · Amount on Record
Deed SaleSep 11, 2023 · Amount on Record
Prior SaleMay 29, 2019 · Amount on Record
Deed Document Number2023741297
Deed Book / Page1365 / 353
Prior Transfer DateJan 12, 2016
Prior Transfer DocD1125/295
Record UpdatedSep 20, 2026

September 2023: Deed, Transfer

Document TypeDeed
JurisdictionOLDHAM KY
Recording DateSep 11, 2023
Property Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020
Document Number0D1365/353
Book / PageD1365 / 353
Map ReferenceMB 3 PG 84
Instrument DateSep 08, 2023
Instrument741297
Transaction TypeTransfer
Record UpdatedOct 03, 2023

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$402.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3602 W LOCUST CIR, PROSPECT, KY 40059-9069

Transferred To (Grantee/Buyer)

NameVerified Name
Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document Number0000741298
DateSep 11, 2023
Instrument741298
Lender
NameRUOFF MORTGAGE COMPANY INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedAug 30, 2023
Title CompanyLOUISVILLE TITLE AGENCY, LOUISVILLE TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document Number0M2633/189
DateAug 04, 2023
Book PageM2633/189
Instrument737262
Lender
NameREPUBLIC BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term12 Months
DueAug 04, 2024

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2299/0141
DateMar 22, 2018
Book PageM2299/0141
Instrument536874
Lender
NameCITIZENS UNION BANK
TypeBank
AddressSHELBYVILLE, KY 40065
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term120 Months
DueMar 14, 2028
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyFREIBERT & MATTINGLY TTL GRO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2449/649
DateSep 16, 2020
Book PageM2449/649
Instrument595144
Lender
NameREPUBLIC BANK & TRUST
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOLDHAM KY
Recording DateMay 29, 2019
Property Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020
Document NumberD1217/0551
Book / PageD1217 / 0551
Map ReferenceMB 3 PG 84
Instrument DateMay 17, 2019
Instrument552222
Transaction TypeTransfer
Record UpdatedNov 16, 2021
Title CompanyLOUISVILLE TITLE AGENCY, LOUISVILLE TITLE AGENCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 115, WEST POINT, KY 40177-0115

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address3623 E LOCUST CIR, PROSPECT, KY 40059-9020

Mortgage

Document Number552223
DateMay 29, 2019
Instrument552223
Lender
NameSTATEWIDE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2049

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified August 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$4,996.00 (+25.59%)$402,000 (+26.42%) Land $40,000 Building $362,000$402,000 (+26.42%) Land $40,000 Building $362,000
2023$3,978.00 (+0.76%)$318,000 (-) Land $40,000 Building $278,000$318,000 (-) Land $40,000 Building $278,000
2022$3,948.00$318,000 Land $40,000 Building $278,000$318,000 Land $40,000 Building $278,000

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
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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