3901 Northfork Ct, Smithfield, KY 40068 Property Records

Oldham County property record for 3901 Northfork Ct, Smithfield, KY 40068

Property Summary

Property Type	Single Family Home
Lot Size	1.83 acres (79,758 sqft)
Owner	Individual Name on Record
Last Sale	$522,000 (Apr 2020)
Tax Bill	$6,940 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`56-05-04-90`

Property Details

APN / Parcel Number

Primary APN	`56-05-04-90`
Alternative APN	`63874`

Exterior

Lot Area	79,758 sqft (1.83 acres)

Location & Zoning

Account Number	63874
Street Address	3901 NORTHFORK CT
City	SMITHFIELD
State	KY
Zip	40068-7300
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.831AC
Legal Subdivision	BALLARD WOODS
Legal Block	SEC 4
Legal Lot Number	90
Jurisdiction	OLDHAM KY
Township / Civil Division	LA GRANGE
Census Block Group	1
Census Block	1039
Census Tract	30402

Owner

Source: Oldham County records, as of April 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY FEDERAL CREDIT UNION
Mar 27, 2026	Intrafamily Transfer, Transfer
Apr 16, 2020	Warranty Deed, Transfer · Conventional Mortgage EVANSVILLE TEACHERS FCU
Oct 24, 2017	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Apr 27, 2017	Deed, Construction Loan · Construction Mortgage CITIZENS UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2020 · Amount on Record
Deed Sale	Apr 16, 2020 · Amount on Record
Prior Sale	Oct 24, 2017 · Amount on Record
Deed Document Number	2020569414
Deed Book / Page	1245 / 74
Last Transfer Date	Jul 7, 2025
Transfer Doc	00D1437/63
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Recording Date	Apr 7, 2026
Property Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300
Document Number	0000856442
Book / Page	2738 / 521
Instrument Date	Mar 31, 2026
Instrument	2026856442
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300

Mortgage

Document Number	0000856442,
Date	Apr 7, 2026
Book Page	2738/521
Instrument	2026856442

Lender

Name	LIBERTY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OLDHAM KY
Recording Date	Mar 27, 2026
Property Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300
Document Number	00D1437/63
Book / Page	D1437 / 63
Map Reference	MB 6 PG 92
Instrument Date	Jul 7, 2025
Instrument	855016
Transaction Type	Transfer
Record Updated	Apr 8, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Apr 16, 2020
Property Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300
Document Number	D1245/74
Book / Page	D1245 / 74
Map Reference	MB 6 PG 92
Instrument Date	Apr 13, 2020
Instrument	569414
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTLRIGLY TTL GR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3901 NORTHFORK CT, 3901, SMITHFIELD, KY 40068-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300

Mortgage

Document Number	569415
Date	Apr 16, 2020
Instrument	569415

Lender

Name	EVANSVILLE TEACHERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Oct 24, 2017
Property Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300
Document Number	D1175/309
Book / Page	D1175 / 309
Map Reference	MB6 PG92
Instrument Date	Oct 20, 2017
Instrument	531769
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	METRO TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6100 BREEZE HILL RD, 6100, CRESTWOOD, KY 40014-8991

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300

Mortgage

Document Number	531770
Date	Oct 24, 2017
Instrument	531770

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

April 2017: Deed, Construction Loan

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Apr 27, 2017
Property Address	3901 NORTHFORK CT, SMITHFIELD, KY 40068-7300
Document Number	0D1159/391
Book / Page	D1159 / 391
Map Reference	MB6 PG92
Instrument Date	Apr 27, 2017
Instrument	524265
Transaction Type	Construction Loan
Record Updated	Jul 11, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6100 BREEZE HILL RD, CRESTWOOD, KY 40014-8991

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6100 BREEZE HILL RD, CRESTWOOD, KY 40014-8991
Investor	Possibly a Property Investor

Mortgage

Document Number	0000524266
Date	Apr 27, 2017
Instrument	524266

Lender

Name	CITIZENS UNION BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 27, 2018

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,940.00 (+6.38%)	$560,000 (+7.28%) Land $90,000 Building $470,000	$560,000 (+7.28%) Land $90,000 Building $470,000
2023	$6,524.00 (+0.2%)	$522,000 (-) Land $90,000 Building $432,000	$522,000 (-) Land $90,000 Building $432,000
2022	$6,511.00	$522,000 Land $90,000 Building $432,000	$522,000 Land $90,000 Building $432,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2015 · rainfall accumulation

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.

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OLDHAM COUNTY WATER DISTRICT serves 38,409 people · EPA ID KY0930333
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 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

Cell Coverage

5G (outdoors only) and 4G LTE

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