Oldham County property record for 3710 E Locust Cir, Prospect, KY 40059 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,812 sqft · built 1985 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,014 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Feb 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-54 |
| Primary APN | 06-15-00-54 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,812 sqft Living Area |
| Basement Area | 1,766 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 68304 |
|---|---|
| Street Address | 3710 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .32AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 4 |
| Legal Lot Number | 54 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-54
Assessment roll updated December 23, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3710 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Feb 16, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Jan 07, 2022 |
| Transfer Doc | 0D1318/439 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3710 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2022 |
| Title Company | FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTINGLY TTL GRO |
| Name | Verified Name |
|---|
| Document Number | 0M2416/893 |
|---|---|
| Date | May 28, 2020 |
| Book Page | M2416/893 |
| Instrument | 575534 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2035 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 16, 2022 |
| Property Address | 3710 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | 0D1318/439 |
| Book / Page | D1318 / 439 |
| Map Reference | MB 3 PG 84 |
| Instrument Date | Jan 07, 2022 |
| Instrument | 678056 |
| Transaction Type | Transfer |
| Record Updated | Mar 01, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3710 E LOCUST CIR, PROSPECT, KY 40059-8025 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 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 | $3,014.00 (-3.95%) Homeowner's exemption | $290,000 (+16%) Land $50,000 Building $240,000 | $290,000 (+16%) Land $50,000 Building $240,000 |
| 2023 | $3,138.00 | $250,000 Land $40,000 Building $210,000 | $250,000 Land $40,000 Building $210,000 |
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
| 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 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.
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