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3711 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3711 E Locust Cir, Prospect, KY 40059

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,231 sqft · built 1987
Lot Size0.3 acres (13,068 sqft)
Owner2 Individual Names on File
Last Sale$267,000 (Jun 2019)
Tax Bill$3,741 (2025)
Deeds & MortgagesMay 2021 Line of Credit
Aug 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-15-00-85

Property Details

APN / Parcel Number

Primary APN06-15-00-85
Alternative APN
  • 64750

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,231 sqft Living Area
Basement Area475 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Exterior MaterialWood
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area13,068 sqft (0.3 acres)
Garage TypeBasement
Garage Area568 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account Number64750
Street Address3711 E LOCUST CIR
CityPROSPECT
StateKY
Zip40059-8025
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & .30AC
Legal SubdivisionRIVER BLUFF FARMS
Legal Block4
Legal Lot Number85
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2007
Census Tract30801

Owner

Source: Oldham County records · APN 06-15-00-85

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 Record2 Individual Names on File
Mailing Address3711 E LOCUST CIR, PROSPECT, KY 40059-8025
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 17, 2021Deed of Trust, Mortgage · Line of Credit
REPUBLIC BANK & TRUST CO
Aug 27, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
Jun 17, 2019Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 17, 2019 · Amount on Record
Deed SaleJun 17, 2019 · Amount on Record
Prior SaleAug 08, 2008 · Amount on Record
Deed Document Number2019553048
Deed Book / Page1219 / 250
Last Transfer DateAug 21, 2020
Transfer DocD1258/534
Record UpdatedJun 08, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3711 E LOCUST CIR, PROSPECT, KY 40059-8025
Transaction TypeMortgage
Record UpdatedJun 02, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2516/395
DateMay 17, 2021
Book PageM2516/395
Instrument636683
Lender
NameREPUBLIC BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueMay 11, 2031
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOLDHAM KY
Recording DateAug 27, 2020
Property Address3711 E LOCUST CIR, PROSPECT, KY 40059-8025
Document NumberD1258/534
Book / PageD1258 / 534
Map ReferenceMB 3 PG 84
Instrument DateAug 21, 2020
Instrument590978
Transaction TypeTransfer
Record UpdatedNov 16, 2021
Title CompanySIGNATURE TITLE, SIGNATURE TITLE LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3711 E LOCUST CIR, 3711, PROSPECT, KY 40059-8025

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address3711 E LOCUST CIR, PROSPECT, KY 40059-8025

Mortgage

Document Number590980
DateAug 27, 2020
Instrument590980
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2050

June 2019: Deed, Transfer

Document TypeDeed
JurisdictionOLDHAM KY
Recording DateJun 17, 2019
Property Address3711 E LOCUST CIR, PROSPECT, KY 40059-8025
Document NumberD1219/0250
Book / PageD1219 / 0250
Map ReferenceMB 3 PG 84
Instrument DateJun 13, 2019
Instrument553048
Transaction TypeTransfer
Record UpdatedNov 16, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3612 W LOCUST CIR, 3612, PROSPECT, KY 40059-9069

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address3711 E LOCUST CIR, PROSPECT, KY 40059-8025

Mortgage

Document Number553049
DateJun 17, 2019
Instrument553049
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2049

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateKentucky
CountyOldham County
Unified School DistrictOldham 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,741.00 (+11.74%)$300,000 (+12.36%) Land $50,000 Building $250,000$300,000 (+12.36%) Land $50,000 Building $250,000
2023$3,348.00$267,000 Land $40,000 Building $227,000$267,000 Land $40,000 Building $227,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims3 (1997–2017)
Claims Outside the SFHA2 of 3
Most Recent ClaimApr 2017 · rainfall accumulation

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (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

Based on FCC filings for 229 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0560258, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemLOUISVILLE WATER COMPANY
private · serves 806,997 people
Water SourceSurface water
Last State InspectionOct 2023
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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