Oldham County property record for 3709 E Locust Cir, Prospect, KY 40059 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1988 |
| Square Footage | 2,622 sqft Living Area |
| Lot Size | 15,246 sqft (0.35 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $310,000 (2017) |
| Tax Bill | $4,356.00 (2025) |
| Primary APN | 06-15-00-84 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Building Area | 2,622 sqft Living Area |
| Basement Area | 1,176 sqft Basement |
| Family Room | Family Room |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached |
| Garage Area | 568 sqft Garage |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 73330 |
|---|---|
| Street Address | 3709 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .35AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 4 |
| Legal Lot Number | 84 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-84
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 Record | 2 Company Names on File |
|---|---|
| Mailing Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 06, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Nov 21, 2025 | Intrafamily Transfer, Transfer |
| Feb 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Sep 04, 2019 | Deed of Trust, Mortgage BRANCH BANKING AND TRUST CO |
| Mar 08, 2017 | Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 08, 2017 · Amount on Record |
| Deed Sale | Mar 08, 2017 · Amount on Record |
| Prior Sale | Aug 04, 2010 · Amount on Record |
| Deed Document Number | 2017522057 |
| Deed Book / Page | 1155 / 574 |
| Last Transfer Date | Jul 30, 2024 |
| Transfer Doc | 0D1388/362 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | May 06, 2026 |
| Property Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | 0000861843 |
| Book / Page | 2743 / 79 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 2026861843 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BLYTHE TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Document Number | 0000861843, |
|---|---|
| Date | May 06, 2026 |
| Book Page | 2743/79 |
| Instrument | 2026861843 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 13, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 21, 2025 |
| Property Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | 0D1427/345 |
| Book / Page | D1427 / 345 |
| Map Reference | MB 3 PG 84 |
| Instrument Date | Nov 20, 2025 |
| Instrument | 836906 |
| Transaction Type | Transfer |
| Record Updated | Dec 08, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | BRIDGETRUST TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | M2491/235 |
|---|---|
| Date | Feb 12, 2021 |
| Book Page | M2491/235 |
| Instrument | 620568 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WINSTON SALEM, NC 27101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2365/0694 |
|---|---|
| Date | Sep 04, 2019 |
| Book Page | M2365/0694 |
| Instrument | 556674 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WINSTON SALEM, NC 27101 |
| Amount | Amount Recorded |
|---|---|
| Term | 59 Months |
| Due | Aug 08, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Mar 08, 2017 |
| Property Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | D1155/574 |
| Book / Page | D1155 / 574 |
| Map Reference | MB3 PG84 |
| Instrument Date | Mar 03, 2017 |
| Instrument | 522057 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | BRIDGETRUST TITLE GROUP |
| 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 | 13405 HAMPTON CIR, 13405, GOSHEN, KY 40026-8433 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3709 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | 522058 |
|---|---|
| Date | Mar 08, 2017 |
| Instrument | 522058 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified August 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 (+0.09%) | $350,000 (-) Land $50,000 Building $300,000 | $350,000 (-) Land $50,000 Building $300,000 |
| 2024 | $4,352.00 (+12.19%) | $350,000 (+12.9%) Land $50,000 Building $300,000 | $350,000 (+12.9%) Land $50,000 Building $300,000 |
| 2023 | $3,879.00 | $310,000 Land $40,000 Building $270,000 | $310,000 Land $40,000 Building $270,000 |
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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