8401 Spruce Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 8401 Spruce Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 6 ba · 4,473 sqft · built 1998
Lot Size	1.4 acres (61,201 sqft)
Owner	Company Name on File
Last Sale	$15,000 (Mar 2025)
Tax Bill	$12,784 (2025)
Deeds & Mortgages	Dec 2021 Sale Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28A-06-238`

Property Details

APN / Parcel Number

Primary APN	`06-28A-06-238`
Alternative APN	`67873`

Interior

Bedrooms	4 Beds
Full Baths	6 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,473 sqft Living Area

Exterior

Year Built	Built 1998
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	61,201 sqft (1.4 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	67873
Street Address	8401 SPRUCE HILL RD
City	PROSPECT
State	KY
Zip	40059-7402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.405AC
Legal Subdivision	HUNTING CREEK ESTATES
Legal Block	SEC 6
Legal Lot Number	238
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2006
Census Tract	30701

Owner

Source: Oldham County records · APN 06-28A-06-238

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	Company Name on File
Mailing Address	8401 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 08, 2021	Special Warranty Deed, Transfer
Jun 04, 2018	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 08, 2018	Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 11, 2025 · Amount on Record
Deed Sale	Mar 11, 2025 · Amount on Record
Prior Sale	Dec 08, 2021
Deed Document Number	799567
Deed Book / Page	D1405 / 286
Record Updated	Jun 08, 2026

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Dec 08, 2021
Property Address	8401 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Document Number	00D1312/78
Book / Page	D1312 / 78
Map Reference	MB 5 PG 22
Instrument Date	Dec 07, 2021
Instrument	669415
Transaction Type	Transfer
Record Updated	Dec 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8401 SPRUCE HILL RD, PROSPECT, KY 40059-7402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8401 SPRUCE HILL RD, PROSPECT, KY 40059-7402

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	8401 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2307/0685
Date	Jun 04, 2018
Book Page	M2307/0685
Instrument	539495

Lender

Name	PNC BANK NA
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	8401 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2308/0428
Date	Jun 08, 2018
Book Page	M2308/0428
Instrument	539714

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	150 Months
Due	Dec 01, 2030

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	$12,784.00 (+14.47%)	$1,035,000 (+15%) Land $135,000 Building $900,000	$1,035,000 (+15%) Land $135,000 Building $900,000
2023	$11,168.00	$900,000 Land $135,000 Building $765,000	$900,000 Land $135,000 Building $765,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 111 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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.

8401 Spruce Hill Rd, Prospect, KY 40059 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2021: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Spruce Hill Rd

Nearby Streets

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