3706 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3706 E Locust Cir, Prospect, KY 40059 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,556 sqft · built 1981
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,198 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-15-00-56`

Property Details

APN / Parcel Number

Primary APN	`06-15-00-56`
Alternative APN	`22113`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,556 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	22113
Street Address	3706 E LOCUST CIR
City	PROSPECT
State	KY
Zip	40059-8025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .33AC
Legal Lot Number	56
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2008
Census Tract	30801

Owner

Source: Oldham County records · APN 06-15-00-56

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	2 Individual Names on File
Mailing Address	3706 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
Deed Document Number	703-021
Record Updated	Jun 08, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3706 E LOCUST CIR, PROSPECT, KY 40059-8025
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	SOUTHWEST FINANCIAL, SOUTHWEST FINANCIAL SVCS LTD

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2247/060
Date	Jan 30, 2017
Book Page	M2247/060
Instrument	520603

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 14, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$3,198.00 (-1.45%) Homeowner's exemption	$305,000 (-) Land $40,000 Building $265,000	$305,000 (-) Land $40,000 Building $265,000
2023	$3,245.00 Homeowner's exemption	$305,000 Land $40,000 Building $265,000	$305,000 Land $40,000 Building $265,000

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
Nearby Flood Policies	1 in force
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 229 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.