Oldham County property record for 3700 E Locust Cir, Prospect, KY 40059 · Last verified January 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,464 sqft · built 1977 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Oct 2017) |
| Tax Bill | $4,356 (2025) |
| Deeds & Mortgages | Jul 2020 Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-58 |
| Primary APN | 06-15-00-58 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,464 sqft Living Area |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 58238 |
|---|---|
| Street Address | 3700 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & .46AC |
| Legal Lot Number | 58 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-58
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 | 3700 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS UNION BANK OF SHELBYVILLE |
| Oct 10, 2017 | Deed, Transfer · Conventional Mortgage CITIZENS UNION BANK OF SHELBYVILLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 10, 2017 · Amount on Record |
| Deed Sale | Oct 10, 2017 · Amount on Record |
| Prior Sale | Aug 04, 2009 · Amount on Record |
| Deed Document Number | 531152 |
| Deed Book / Page | D1174 / 180 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3700 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MATTINGLY FORD TTL SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | M2435/78 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | M2435/78 |
| Instrument | 585546 |
| Name | CITIZENS UNION BANK OF SHELBYVILLE |
|---|---|
| Type | Bank |
| Address | SHELBYVILLE, KY 40065 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2050 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 10, 2017 |
| Property Address | 3700 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | D1174/180 |
| Book / Page | D1174 / 180 |
| Map Reference | MB3 PG84 |
| Instrument Date | Oct 06, 2017 |
| Instrument | 531152 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| 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 | 13002 LONGWOOD LN, 13002, GOSHEN, KY 40026-8400 |
| Name | Verified Name |
|---|---|
| Address | 3700 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | 531153 |
|---|---|
| Date | Oct 10, 2017 |
| Instrument | 531153 |
| Name | CITIZENS UNION BANK OF SHELBYVILLE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 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 | $4,356.00 (+8.82%) | $350,000 (+9.38%) Land $50,000 Building $300,000 | $350,000 (+9.38%) Land $50,000 Building $300,000 |
| 2023 | $4,003.00 | $320,000 Land $40,000 Building $280,000 | $320,000 Land $40,000 Building $280,000 |
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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