Oldham County property record for 3719 E Locust Cir, Prospect, KY 40059 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,290 sqft · built 1990 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (Sep 2008) |
| Tax Bill | $3,383 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Sep 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-15-00-89 |
| Primary APN | 06-15-00-89 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,290 sqft Living Area |
| Basement Area | 1,100 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Basement |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 41761 |
|---|---|
| Street Address | 3719 E LOCUST CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .46AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 4 |
| Legal Lot Number | 89 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 30801 |
Source: Oldham County records · APN 06-15-00-89
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 Individual Names on File |
|---|---|
| Mailing Address | 3719 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA |
| Sep 15, 2025 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2008 · Amount on Record |
| Deed Sale | Sep 24, 2008 · Amount on Record |
| Deed Document Number | 2008392342 |
| Deed Book / Page | 934 / 387 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3719 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 3719 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | 00M2731/92 |
|---|---|
| Date | Feb 10, 2026 |
| Book Page | M2731/92 |
| Instrument | 847613 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3719 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Transaction Type | Mortgage |
| Record Updated | Oct 01, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3719 E LOCUST CIR, PROSPECT, KY 40059-8025 |
| Document Number | 0M2712/645 |
|---|---|
| Date | Sep 15, 2025 |
| Book Page | M2712/645 |
| Instrument | 826293 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 15, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,383.00 (-3.59%) Homeowner's exemption | $320,000 (+14.29%) Land $50,000 Building $270,000 | $320,000 (+14.29%) Land $50,000 Building $270,000 |
| 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 · 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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