3703 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3703 E Locust Cir, Prospect, KY 40059 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,381 sqft · built 1977
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on File
Last Sale	$267,000 (Sep 2013)
Tax Bill	$3,629 (2025)
Flood Zone	Zone X (minimal risk)
APN	`06-15-00-81`

Property Details

APN / Parcel Number

Primary APN	`06-15-00-81`
Alternative APN	`49541`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,381 sqft Living Area
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	49541
Street Address	3703 E LOCUST CIR
City	PROSPECT
State	KY
Zip	40059-8025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .35AC
Legal Lot Number	81
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2007
Census Tract	30801

Owner

Source: Oldham County records · APN 06-15-00-81

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	3703 E LOCUST CIR, PROSPECT, KY 40059-8025
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 04, 2013 · Amount on Record
Deed Sale	Sep 04, 2013 · Amount on Record
Prior Sale	Dec 07, 2011 · Amount on Record
Deed Document Number	472256
Deed Book / Page	D1064 / 255
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,629.00 (-3.38%) Homeowner's exemption	$340,000 (+13.33%) Land $50,000 Building $290,000	$340,000 (+13.33%) Land $50,000 Building $290,000
2023	$3,756.00	$300,000 Land $40,000 Building $260,000	$300,000 Land $40,000 Building $260,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850308012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Nearby Flood Claims	3 (1997–2017)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Apr 2017, rainfall accumulation

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.