Oldham County property record for 3909 Joyce Dr, Crestwood, KY 40014
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,013 sqft · built 1977 |
| Lot Size | 0.342 acres (14,898 sqft) |
| Owner | Company Name on Record |
| Last Sale | $64,799 (Jun 2014) |
| Tax Bill | $1,957 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-03A-01-116 |
| Primary APN | 48-03A-01-116 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,013 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 14,898 sqft (0.342 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 50997 |
|---|---|
| Street Address | 3909 JOYCE DR |
| City | CRESTWOOD |
| State | KY |
| Zip | 40014-9715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & LOT |
| Legal Block | SEC 1 |
| Legal Lot Number | 116 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | LA GRANGE |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 30401 |
Source: Oldham County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 117 SPRUCE LN, LOUISVILLE, KY 40207-1703 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2014 · Amount on Record |
| Deed Sale | Jun 24, 2014 · Amount on Record |
| Prior Sale | Apr 21, 2014 · Amount on Record |
| Deed Document Number | 482431 |
| Deed Book / Page | D1084 / 342 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3909 JOYCE DR, CRESTWOOD, KY 40014-9715 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2596/523 |
|---|---|
| Date | Aug 3, 2022 |
| Book Page | M2596/523 |
| Instrument | 701211 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jul 25, 2032 |
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 | $1,957.00 (+22.31%) | $155,000 (+24%) Land $25,000 Building $130,000 | $155,000 (+24%) Land $25,000 Building $130,000 |
| 2023 | $1,600.00 | $125,000 Land $25,000 Building $100,000 | $125,000 Land $25,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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 92 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon.
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