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3717 E Locust Cir, Prospect, KY 40059 Property Records

Oldham County property record for 3717 E Locust Cir, Prospect, KY 40059 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,318 sqft · built 1988
Lot Size0.38 acres (16,553 sqft)
Owner2 Individual Names on File
Last Sale$313,000 (Apr 2021)
Tax Bill$4,233 (2025)
Deeds & MortgagesAug 2021 Line of Credit
Apr 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-15-00-88

Property Details

APN / Parcel Number

Primary APN06-15-00-88
Alternative APN
  • 66267

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,318 sqft Living Area
Basement Area1,202 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 1998
Exterior MaterialBrick Veneer
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area16,553 sqft (0.38 acres)
Garage TypeAttached
Garage Area568 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number66267
Street Address3717 E LOCUST CIR
CityPROSPECT
StateKY
Zip40059-8025
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE, IG POOL & .38AC
Legal SubdivisionRIVER BLUFF FARMS
Legal Lot Number88
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2007
Census Tract30801

Owner

Source: Oldham County records · APN 06-15-00-88

Assessment roll updated December 23, 2025 · Last verified June 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 Address3717 E LOCUST CIR, PROSPECT, KY 40059-8025
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 02, 2021Deed of Trust, Mortgage · Line of Credit
UNIVERSITY OF KENTUCKY FCU
Apr 12, 2021Warranty Deed, Transfer · Conventional Mortgage
PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 12, 2021 · Amount on Record
Deed SaleApr 12, 2021 · Amount on Record
Deed Document Number2021631116
Deed Book / Page1284 / 540
Prior Transfer DateJan 26, 2015
Prior Transfer Doc0000490308
Record UpdatedSep 20, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address3717 E LOCUST CIR, PROSPECT, KY 40059-8025
Transaction TypeMortgage
Record UpdatedAug 12, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2533/187
DateAug 02, 2021
Book PageM2533/187
Instrument648530
Lender
NameUNIVERSITY OF KENTUCKY FCU
TypeCredit Union
AddressLEXINGTON, KY 40509
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOLDHAM KY
Recording DateApr 12, 2021
Property Address3717 E LOCUST CIR, PROSPECT, KY 40059-8025
Document NumberD1284/540
Book / PageD1284 / 540
Instrument DateApr 01, 2021
Instrument631116
Transaction TypeTransfer
Record UpdatedNov 16, 2021
Title CompanyACUITY TITLE

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
Address3717 E LOCUST CIR, 3717, PROSPECT, KY 40059-8025

Transferred To (Grantee/Buyer)

NameVerified Name
Address3717 E LOCUST CIR, PROSPECT, KY 40059-8025

Mortgage

Document Number631117
DateApr 12, 2021
Instrument631117
Lender
NamePROVIDENT FUNDING ASSOCIATES LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2051

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified June 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$4,233.00 (+8.09%)$340,000 (+8.63%) Land $50,000 Building $290,000$340,000 (+8.63%) Land $50,000 Building $290,000
2023$3,916.00$313,000 Land $40,000 Building $273,000$313,000 Land $40,000 Building $273,000

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
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
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 229 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

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

Mobile Coverage

5G and 4G LTE

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