Oldham County property record for 5905 Laurel Ln, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,232 sqft · built 2006 |
| Lot Size | 0.321 acres (14,005 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $477,500 (Oct 2018) |
| Tax Bill | $8,861 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jul 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-11C-12A-662 |
| Primary APN | 11-11C-12A-662 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,232 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 14,005 sqft (0.321 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 60685 |
|---|---|
| Street Address | 5905 LAUREL LN |
| City | PROSPECT |
| State | KY |
| Zip | 40059-7568 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .3215AC |
| Legal Block | SEC 12A |
| Legal Lot Number | 662 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30704 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 5905 LAUREL LN, PROSPECT, KY 40059-7568 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 10, 2019 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Oct 25, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Nov 28, 2017 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2018 · Amount on Record |
| Deed Sale | Oct 25, 2018 · Amount on Record |
| Prior Sale | Nov 28, 2017 · Amount on Record |
| Deed Document Number | 545169 |
| Deed Book / Page | D1203 / 0551 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 5905 LAUREL LN, PROSPECT, KY 40059-7568 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2426/18 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | M2426/18 |
| Instrument | 580785 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 5905 LAUREL LN, PROSPECT, KY 40059-7568 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2019 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | M2355/0802 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | M2355/0802 |
| Instrument | 554025 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 25, 2018 |
| Property Address | 5905 LAUREL LN, PROSPECT, KY 40059-7568 |
| Document Number | D1203/0551 |
| Book / Page | D1203 / 0551 |
| Map Reference | CAB6 PG76 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 545169 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5905 LAUREL LN, 5905, PROSPECT, KY 40059-7568 |
| Name | Verified Name |
|---|---|
| Address | 5905 LAUREL LN, PROSPECT, KY 40059-7568 |
| Document Number | 545171 |
|---|---|
| Date | Oct 25, 2018 |
| Instrument | 545171 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 28, 2017 |
| Property Address | 5905 LAUREL LN, PROSPECT, KY 40059-7568 |
| Document Number | D1178/307 |
| Book / Page | D1178 / 307 |
| Map Reference | CAB6 PG76 |
| Instrument Date | Nov 20, 2017 |
| Instrument | 532990 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | FREIBERT MATTINGLY TITLE, FREIBERT & MATTINGLY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $462.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5905 LAUREL LN, 5905, PROSPECT, KY 40059-7568 |
| Name | Verified Name |
|---|---|
| Address | 5905 LAUREL LN, PROSPECT, KY 40059-7568 |
| Document Number | 532991 |
|---|---|
| Date | Nov 28, 2017 |
| Instrument | 532991 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2047 |
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 | $8,861.00 (+5.03%) | $675,000 (+4.65%) Land $135,000 Building $540,000 | $675,000 (+4.65%) Land $135,000 Building $540,000 |
| 2023 | $8,437.00 | $645,000 Land $135,000 Building $510,000 | $645,000 Land $135,000 Building $510,000 |
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 · 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 Policies | 1 in force |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | LOUISVILLE WATER COMPANY private · serves 806,997 people · EPA ID KY0560258 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | 1 ppb (2021–2023) 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 131 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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