Oldham County property record for 3625 E Locust Cir, Prospect, KY 40059 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,500 sqft · built 1977 |
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $465,000 (Apr 2022) |
| Tax Bill | $5,771 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Jan 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-78 |
| Primary APN | 06-15-00-78 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Building Area | 2,500 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 2 Fireplaces |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.389 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 68559 |
|---|---|
| Street Address | 3625 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9020 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .39AC |
| Legal Lot Number | 78 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-78
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 | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 04, 2022 | Deed, Transfer · Conventional Mortgage ECLIPSE BANK INC |
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 18, 2019 | Deed of Trust, Mortgage · Line of Credit UNITED STATES FCU |
| Sep 15, 2017 | Warranty Deed, Transfer · FHA Mortgage PLATINUM MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 04, 2022 · Amount on Record |
| Deed Sale | Apr 04, 2022 · Amount on Record |
| Prior Sale | Sep 15, 2017 · Amount on Record |
| Deed Document Number | 684645 |
| Deed Book / Page | D1323 / 312 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 04, 2022 |
| Property Address | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0D1323/312 |
| Book / Page | D1323 / 312 |
| Map Reference | MB 3 PG 84 |
| Instrument Date | Mar 31, 2022 |
| Instrument | 684645 |
| Transaction Type | Transfer |
| Record Updated | Apr 13, 2022 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12609 RIDGEMOOR DR, 12609, PROSPECT, KY 40059-9187 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 0000684648 |
|---|---|
| Date | Apr 04, 2022 |
| Instrument | 684648 |
| Name | ECLIPSE BANK INC |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2021 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M2486/56 |
|---|---|
| Date | Jan 27, 2021 |
| Book Page | M2486/56 |
| Instrument | 617807 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2020 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M2393/913 |
|---|---|
| Date | Feb 25, 2020 |
| Book Page | M2393/913 |
| Instrument | 564293 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 01, 2019 |
| Name | Verified Name |
|---|
| Document Number | M2368/0143 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | M2368/0143 |
| Instrument | 557256 |
| Name | UNITED STATES FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 17, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Sep 15, 2017 |
| Property Address | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | D1172/067 |
| Book / Page | D1172 / 067 |
| Map Reference | MB3 PG84 |
| Instrument Date | Sep 12, 2017 |
| Instrument | 530192 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | HOME CLOSINGS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13517 ARBOR CREST CIR, 13517, LOUISVILLE, KY 40245-7427 |
| Name | Verified Name |
|---|---|
| Address | 3625 E LOCUST CIR, PROSPECT, KY 40059-9020 |
| Document Number | 530193 |
|---|---|
| Date | Sep 15, 2017 |
| Instrument | 530193 |
| Name | PLATINUM MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
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 | $5,771.00 (-0.4%) | $465,000 (-) Land $45,000 Building $420,000 | $465,000 (-) Land $45,000 Building $420,000 |
| 2023 | $5,794.00 | $465,000 Land $45,000 Building $420,000 | $465,000 Land $45,000 Building $420,000 |
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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