635 Locust Rd, Milton, KY 40045 Property Records

Carroll County property record for 635 Locust Rd, Milton, KY 40045

Property Summary

Property Type	Single Family Home
Lot Size	1.46 acres (63,598 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (May 2020)
Tax Bill	$849 (2023)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-16-03`

Property Details

APN / Parcel Number

Primary APN	`06-16-03`
Alternative APNs	`6/16/2003` `102561`

Exterior

Lot Area	63,598 sqft (1.46 acres)
Terrain	Steep

Location & Zoning

Account Number	102561
Street Address	635 LOCUST RD
City	MILTON
State	KY
Zip	40045-6043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOUBLEWIDE & 1.46 ACRES
Jurisdiction	CARROLL KY
Township / Civil Division	PRESTONVILLE
Census Block Group	1
Census Block	1074
Census Tract	950300

Owner

635 Locust Rd is owned by an individual who bought it in May 2020.

Source: Carroll County records, as of November 10, 2025

Owner of Record	Individual Name on File
Mailing Address	495 SHARON RD, GHENT, KY 41045-8470
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2020 · Amount on File
Deed Sale	May 8, 2020 · Amount on File
Deed Document Number	98692
Deed Book / Page	D215 / 334
Record Updated	Jun 8, 2026

May 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL KY
Recording Date	May 8, 2020
Property Address	635 LOCUST RD, MILTON, KY 40045-6043
Document Number	00D215/334
Book / Page	D215 / 334
Instrument Date	May 7, 2020
Instrument	98692
Transaction Type	Transfer
Record Updated	Nov 14, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	904 LAKESIDE DR, TAYLORSVILLE, KY 40071-8208

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 SHARON RD, GHENT, KY 41045-8470

Mortgage

Document Number	000M255671
Date	May 8, 2020
Instrument	M255/671

Lender

Name	SOUTH CENTRAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of April 1, 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
2025		$80,000 Land $13,000 Building $67,000	$80,000 Land $13,000 Building $67,000
2023	$849.00	$80,000 Land $13,000 Building $67,000	$80,000 Land $13,000 Building $67,000

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

Flood

FEMA maps place 635 Locust Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 635 Locust Rd is low, with a 0.01% annual chance of 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 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

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

Nearby Properties on Locust Rd

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