5908 Laurel Ln, Prospect, KY 40059 Property Records

Oldham County property record for 5908 Laurel Ln, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,300 sqft · built 2005
Lot Size	0.301 acres (13,151 sqft)
Owner	Individual Name on File
Last Sale	$413,847 (Dec 2005)
Tax Bill	$6,903 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-11C-12A-648`

Property Details

APN / Parcel Number

Primary APN	`11-11C-12A-648`
Alternative APN	`34706`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,300 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,151 sqft (0.301 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	34706
Street Address	5908 LAUREL LN
City	PROSPECT
State	KY
Zip	40059-7567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .3019AC
Legal Block	SEC 12A
Legal Lot Number	648
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1004
Census Tract	30704

Owner

Source: Oldham County records · APN 11-11C-12A-648

Assessment roll updated July 1, 2025 · Last verified January 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	5908 LAUREL LN, PROSPECT, KY 40059-7567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 20, 2005 · Amount on Record
Deed Sale	Dec 20, 2005 · Amount on Record
Deed Document Number	342477
Deed Book / Page	D855 / 150
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	5908 LAUREL LN, PROSPECT, KY 40059-7567
Transaction Type	Mortgage
Record Updated	Nov 03, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2458/857
Date	Oct 19, 2020
Book Page	M2458/857
Instrument	600950

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 01, 2035

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,903.00 (+10.87%)	$525,000 (+10.53%) Land $125,000 Building $400,000	$525,000 (+10.53%) Land $125,000 Building $400,000
2023	$6,226.00	$475,000 Land $125,000 Building $350,000	$475,000 Land $125,000 Building $350,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 15, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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 USA Fixed Wireless	100 / 20

Based on FCC filings for 131 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	LOUISVILLE WATER COMPANY private · serves 806,997 people
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	1 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.