Oldham County property record for 3713 E Locust Cir, Prospect, KY 40059 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,193 sqft · built 1988 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Jul 2015) |
| Tax Bill | $3,864 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-86 |
| Primary APN | 06-15-00-86 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,193 sqft Living Area |
| Basement Area | 1,095 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Basement |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 53342 |
|---|---|
| Street Address | 3713 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .38AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 4 |
| Legal Lot Number | 86 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-86
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3713 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 28, 2015 · Amount on Record |
| Deed Sale | Jul 28, 2015 · Amount on Record |
| Deed Document Number | 2015497888 |
| Deed Book / Page | 1112 / 482 |
| Prior Transfer Date | Jul 24, 2015 |
| Prior Transfer Doc | D1112/482 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3713 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FREIBERT & MATTINGLY TTL GRO |
| Name | Verified Name |
|---|
| Document Number | M2386/0903 |
|---|---|
| Date | Jan 07, 2020 |
| Book Page | M2386/0903 |
| Instrument | 561910 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2050 |
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 | $3,864.00 (+10.12%) | $310,000 (+10.71%) Land $50,000 Building $260,000 | $310,000 (+10.71%) Land $50,000 Building $260,000 |
| 2023 | $3,509.00 | $280,000 Land $40,000 Building $240,000 | $280,000 Land $40,000 Building $240,000 |
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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