691 Locust Rd, Milton, KY 40045 Property Records

Carroll County property record for 691 Locust Rd, Milton, KY 40045

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,830 sqft · built 2005
Lot Size	3.71 acres (161,608 sqft)
Owner	2 Individual Names on Record
Last Sale	$875,000 (Jun 2026)
Tax Bill	$3,113 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-01-02-01`

Property Details

APN / Parcel Number

Primary APN	`09-01-02-01`
Alternative APN	`109971`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,830 sqft Living Area
Basement Area	1,280 sqft
Finished Basement	1,280 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Gable
Lot Area	161,608 sqft (3.71 acres)
Garage Type	Attached
Garage Area	900 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	109971
Street Address	691 LOCUST RD
City	MILTON
State	KY
Zip	40045-6043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 3.71 ACRES
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	2 Individual Names on Record
Mailing Address	691 LOCUST RD, MILTON, KY 40045-6043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Jun 23, 2026	Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Aug 24, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2026 · Amount on Record
Deed Sale	Jun 23, 2026 · Amount on Record
Deed Document Number	20262234958
Deed Book / Page	238 / 527
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL KY
Recording Date	Jun 23, 2026
Property Address	691 LOCUST RD, MILTON, KY 40045-6043
Document Number	0002234965
Book / Page	304 / 32
Instrument Date	Jun 15, 2026
Instrument	20262234965
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12051 HAMPTON CT, CARMEL, IN 46033-4305

Mortgage

Document Number	0002234965,
Date	Jun 23, 2026
Book Page	304/32
Instrument	20262234965

Lender

Name	UNION SAVINGS BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.36%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CARROLL KY
Recording Date	Jun 23, 2026
Property Address	691 LOCUST RD, MILTON, KY 40045-6043
Document Number	0002234958
Book / Page	238 / 527
Instrument Date	Jun 11, 2026
Instrument	20262234958
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$88,375.00
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
Address	691 LOCUST RD, MILTON, KY 40045-6043

Mortgage

Document Number	0002234965,
Date	Jun 23, 2026
Instrument	20262234965

Lender

Name	UNION SAVINGS BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARROLL KY
Recording Date	Aug 24, 2021
Property Address	691 LOCUST RD, MILTON, KY 40045-6043
Document Number	000D221/36
Book / Page	D221 / 36
Instrument Date	Aug 17, 2021
Instrument	103387
Transaction Type	Transfer
Record Updated	Nov 11, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	691 LOCUST RD, MILTON, KY 40045-6043

Mortgage

Document Number	000M268532
Date	Aug 24, 2021
Instrument	M268/532

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

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	$3,113.00 (+70.86%)	$305,000 (+73.3%) Land $40,000 Building $265,000	$305,000 (+73.3%) Land $40,000 Building $265,000
2025	$1,822.00 (+0.39%)	$176,000 (-) Land $20,000 Building $156,000	$176,000 (-) Land $20,000 Building $156,000
2023	$1,815.00	$176,000 Land $20,000 Building $156,000	$176,000 Land $20,000 Building $156,000

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 500 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

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

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