Oldham County property record for 3816 Deer Lake Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,105 sqft · built 1987 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on File |
| Last Sale | $357,000 (Nov 2020) |
| Tax Bill | $4,664 (2025) |
| Deeds & Mortgages | Nov 2019 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-19B-01-61 |
| Primary APN | 06-19B-01-61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,105 sqft Living Area |
| Year Built | Built 1987 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 65388 |
|---|---|
| Street Address | 3816 DEER LAKE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .33AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 61 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 30701 |
3816 Deer Lake Cir is owned and occupied by an individual who bought it in November 2020.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3816 DEER LAKE CIR, PROSPECT, KY 40059-9132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 8, 2019 | Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST CO |
| Nov 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 24, 2020 · Amount on File |
| Deed Sale | Nov 24, 2020 · Amount on File |
| Deed Document Number | 607297 |
| Deed Book / Page | D1269 / 144 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3816 DEER LAKE CIR, PROSPECT, KY 40059-9132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2378/0284 |
|---|---|
| Date | Nov 8, 2019 |
| Book Page | M2378/0284 |
| Instrument | 559698 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 24, 2020 |
| Property Address | 3816 DEER LAKE CIR, PROSPECT, KY 40059-9132 |
| Document Number | D1269/144 |
| Book / Page | D1269 / 144 |
| Map Reference | MB 3 PG 159 |
| Instrument Date | Nov 23, 2020 |
| Instrument | 607297 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7409 GRAND OAKS DR, 7409, CRESTWOOD, KY 40014-9688 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3816 DEER LAKE CIR, PROSPECT, KY 40059-9132 |
| Document Number | 607299 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 607299 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 3816 Deer Lake Cir was $4,664.
Source: Oldham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,664.00 | $375,000 Land $50,000 Building $325,000 | $375,000 Land $50,000 Building $325,000 |
| 2023 | $4,682.00 | $375,000 Land $50,000 Building $325,000 | $375,000 Land $50,000 Building $325,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3816 Deer Lake Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 3816 Deer Lake Cir is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LOUISVILLE WATER COMPANY private · serves 806,997 people · EPA ID KY0560258 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 1 ppb (2021–2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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