4602 Clarkhurst Cir, Smithfield, KY 40068 Property Records

Oldham County property record for 4602 Clarkhurst Cir, Smithfield, KY 40068

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 22,080 sqft · built 2013
Lot Size	0.482 acres (20,997 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Apr 2020)
Tax Bill	$4,848 (2025)
Deeds & Mortgages	May 2022 Line of Credit Apr 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`56-06A-01-2`

Property Details

APN / Parcel Number

Primary APN	`56-06A-01-2`
Alternative APN	`63828`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	22,080 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,997 sqft (0.482 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	63828
Street Address	4602 CLARKHURST CIR
City	SMITHFIELD
State	KY
Zip	40068-7894
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .482AC
Legal Block	SEC 1
Legal Lot Number	2
Jurisdiction	OLDHAM KY
Township / Civil Division	LA GRANGE
Census Block Group	1
Census Block	1019
Census Tract	30402

Owner

Source: Oldham County records, as of December 22, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4602 CLARKHURST CIR, SMITHFIELD, KY 40068-7894
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2022	Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU
Apr 7, 2020	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jul 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO
Jul 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2020 · Amount on Record
Deed Sale	Apr 7, 2020 · Amount on Record
Prior Sale	Jun 3, 2013 · Amount on Record
Deed Document Number	567911
Deed Book / Page	D1244 / 222
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	4602 CLARKHURST CIR, SMITHFIELD, KY 40068-7894
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2585/936
Date	May 19, 2022
Book Page	M2585/936
Instrument	691056

Lender

Name	PARK COMMUNITY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40299

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Apr 7, 2020
Property Address	4602 CLARKHURST CIR, SMITHFIELD, KY 40068-7894
Document Number	D1244/222
Book / Page	D1244 / 222
Map Reference	MB 6 PG 103
Instrument Date	Apr 3, 2020
Instrument	567911
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	FREIBERT & MATTINGLY TTL GRO

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	4602 CLARKHURST CIR, 4602, SMITHFIELD, KY 40068-7894

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4602 CLARKHURST CIR, SMITHFIELD, KY 40068-7894

Mortgage

Document Number	0M2402/697
Date	Apr 7, 2020
Book Page	M2402/697
Instrument	567912

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	HEBRON, IN 46341

Agreement

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

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	4602 CLARKHURST CIR, SMITHFIELD, KY 40068-7894
Transaction Type	Mortgage
Record Updated	Jul 30, 2019
Title Company	KENTUCKIANA TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2354/0519
Date	Jul 1, 2019
Book Page	M2354/0519
Instrument	553696

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	4602 CLARKHURST CIR, SMITHFIELD, KY 40068-7894
Transaction Type	Mortgage
Record Updated	Aug 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2313/0743
Date	Jul 18, 2018
Book Page	M2313/0743
Instrument	541262

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 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	$4,848.00 (+7.38%)	$390,000 (+8.33%) Land $45,000 Building $345,000	$390,000 (+8.33%) Land $45,000 Building $345,000
2023	$4,515.00	$360,000 Land $30,000 Building $330,000	$360,000 Land $30,000 Building $330,000

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 60 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

Nearby Properties on Clarkhurst Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures