8402 Spruce Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 8402 Spruce Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,874 sqft · built 1993
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on Record
Last Sale	$530,000 (Apr 2017)
Tax Bill	$7,616 (2025)
Deeds & Mortgages	Jun 2017 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28A-06-240`

Property Details

APN / Parcel Number

Primary APN	`06-28A-06-240`
Alternative APN	`57017`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,874 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	47,480 sqft (1.09 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	57017
Street Address	8402 SPRUCE HILL RD
City	PROSPECT
State	KY
Zip	40059-7402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.09AC
Legal Subdivision	HUNTING CREEK ESTATES
Legal Block	SEC 6
Legal Lot Number	240
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2006
Census Tract	30701

Owner

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	8402 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2017	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Mar 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2017 · Amount on Record
Deed Sale	Apr 11, 2017 · Amount on Record
Deed Document Number	523645
Deed Book / Page	D1158 / 217
Record Updated	Jun 8, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	8402 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2264/429
Date	Jun 20, 2017
Book Page	M2264/429
Instrument	526258

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	8402 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction Type	Mortgage
Record Updated	May 27, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2398/69
Date	Mar 17, 2020
Book Page	M2398/69
Instrument	565963

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Apr 11, 2017
Property Address	8402 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Document Number	D1158/217
Book / Page	D1158 / 217
Map Reference	MB5 PG22
Instrument Date	Apr 10, 2017
Instrument	523645
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	504 LONG NEEDLE RD, 504, BRANDENBURG, KY 40108-9022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8402 SPRUCE HILL RD, PROSPECT, KY 40059-7402

Mortgage

Document Number	523646
Date	Apr 11, 2017
Instrument	523646

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,616.00 (+11.28%)	$615,000 (+11.82%) Land $135,000 Building $480,000	$615,000 (+11.82%) Land $135,000 Building $480,000
2023	$6,844.00	$550,000 Land $135,000 Building $415,000	$550,000 Land $135,000 Building $415,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2025

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

Values are read at the parcel center point; 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	None beyond ember reach

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	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

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 111 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

8402 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

June 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Spruce Hill Rd

Nearby Streets

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