403 Locust Rd, Milton, KY 40045 Property Records

Carroll County property record for 403 Locust Rd, Milton, KY 40045

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,360 sqft
Lot Size	45 acres (1,960,200 sqft)
Owner	Company Name on Record
Last Sale	$300,000 (Jan 2024)
Tax Bill	$1,310 (2026)
Deeds & Mortgages	Jan 2024 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-27`

Property Details

APN / Parcel Number

Primary APN	`06-27`
Alternative APNs	`119651` `42351`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area

Exterior

Exterior Material	Logs
Construction Type	Log
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,960,200 sqft (45 acres)
Terrain	Rolling
Driveway	Gravel Driveway
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Space Heater
Heating Fuel	Wood

Location & Zoning

Account Number	119651
Street Address	403 LOCUST RD
City	MILTON
State	KY
Zip	40045
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOG CABIN & 45 ACRES
Jurisdiction	CARROLL KY
Township / Civil Division	PRESTONVILLE
Census Block Group	1
Census Block	1043
Census Tract	950300

Owner

Source: Carroll County records, as of October 20, 2026

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	403 E PRONG LOCUST RD, MILTON, KY 40045-6052
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2024 · Amount on Record
Deed Sale	Jan 4, 2024 · Amount on Record
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL KY
Recording Date	Jan 9, 2024
Property Address	403 E PRONG LOCUST RD, MILTON, KY 40045-6052
Document Number	00D229/715
Book / Page	D229 / 715
Instrument Date	Jan 4, 2024
Instrument	2207498
Transaction Type	Transfer
Record Updated	Feb 1, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6191 HIGHWAY 36 W, MILTON, KY 40045-6038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E PRONG LOCUST RD, MILTON, KY 40045-6052

Mortgage

Document Number	0002207501
Date	Jan 9, 2024
Instrument	2207501

Lender

Name	THE GERMAN AMERICAN BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 4, 2044

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of November 11, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,310.00 (-0.3%)	$125,700 (-) Land $5,700 Building $120,000	$300,000 (+138.66%) Land $180,000 Building $120,000
2025	$1,314.00 (+91.55%)	$125,700 (+97.33%) Land $5,700 Building $120,000	$125,700 (+97.33%) Land $5,700 Building $120,000
2023	$686.00	$63,700 Land $5,700 Building $58,000	$63,700 Land $5,700 Building $58,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · 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
Flood Insurance Cost	Premium on Record median of 23 policies
Nearby Flood Policies	23 in force
Nearby Flood Claims	37 (1995–2025)
Claims Outside the SFHA	1 of 37
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 16 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 6 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 10 claims

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	CARROLLTON UTILITIES serves 6,851 people · EPA ID KY0210067
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	2 ppb (2024–2026) 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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