59 Locust Rd, Milton, KY 40045 Property Records

Carroll County property record for 59 Locust Rd, Milton, KY 40045

Property Summary

Property Type	Single Family Home
Details	1,512 sqft · built 2015
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$245,900 (Jun 2026)
Tax Bill	$436 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-34`

Property Details

APN / Parcel Number

Primary APN	`06-34`
Alternative APN	`82631`

Interior

Stories	1 Story
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Terrain	Steep
Garage Type	Detached
Driveway	Gravel Driveway
Total Buildings	2 Buildings

Location & Zoning

Account Number	82631
Street Address	59 LOCUST RD
City	MILTON
State	KY
Zip	40045
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOUBLEWIDE, GARAGE & 1 ACRE
Legal Subdivision	EAST PRONG LOCUST ROAD
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 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	110 US HIGHWAY 467, 5, WORTHVILLE, KY 41098-4702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Mar 28, 2022	Deed of Trust, Mortgage · VA Mortgage NATIONS LENDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2026 · Amount on Record
Deed Sale	Jun 19, 2026 · Amount on Record
Prior Sale	Oct 10, 2024 · Amount on Record
Deed Document Number	20262234913
Deed Book / Page	238 / 503
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARROLL KY
Recording Date	Jun 19, 2026
Document Number	0002234913
Book / Page	238 / 503
Instrument Date	Jun 15, 2026
Instrument	20262234913
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	PERENNIAL TITLE, PERPETUAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,835.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002234914,
Date	Jun 19, 2026
Instrument	20262234914

Lender

Name	LOWER LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL KY
Property Address	59 LOCUST RD, MILTON, KY 40045
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00M273/535
Date	Mar 28, 2022
Book Page	M273/535
Instrument	2200516

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company
Address	INDEPENDENCE, OH 44131

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	238 Months
Due	Jan 1, 2042

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	$436.00 (-0.23%)	$88,000 (-) Land $15,000 Building $73,000	$88,000 (-) Land $15,000 Building $73,000
2025	$437.00 (-5.82%) Homeowner's exemption	$88,000 (-) Land $15,000 Building $73,000	$88,000 (-) Land $15,000 Building $73,000
2023	$464.00 Homeowner's exemption Additional exemption filed	$88,000 Land $15,000 Building $73,000	$88,000 Land $15,000 Building $73,000

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

May also be available: Spectrum.

Nearby Properties on Locust Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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