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8403 Spruce Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 8403 Spruce Hill Rd, Prospect, KY 40059

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,815 sqft · built 1997
Lot Size1.09 acres (47,872 sqft)
OwnerIndividual Name on File
Last Sale$775,000 (May 2020)
Tax Bill$10,077 (2025)
Deeds & MortgagesMay 2020 Line of Credit
May 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-28A-06-237

Property Details

APN / Parcel Number

Primary APN06-28A-06-237
Alternative APN
  • 64047

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area3,815 sqft Living Area
Fireplaces3 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Exterior MaterialBrick Veneer
Construction TypeFrame
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area47,872 sqft (1.09 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number64047
Street Address8403 SPRUCE HILL RD
CityPROSPECT
StateKY
Zip40059-7402
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE, IG POOL & 1.099AC
Legal SubdivisionHUNTING CREEK ESTATES
Legal BlockSEC 6
Legal Lot Number237
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2006
Census Tract30701

Owner

Source: Oldham County records · APN 06-28A-06-237

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address8403 SPRUCE HILL RD, PROSPECT, KY 40059-7402
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 20, 2020Deed of Trust, Mortgage · Line of Credit
UNIVERSITY OF KENTUCKY FCU
May 20, 2020Warranty Deed, Transfer · Conventional Mortgage
BAY EQUITY LLC
Sep 26, 2018Warranty Deed, Transfer · ARM
WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 20, 2020 · Amount on Record
Deed SaleMay 20, 2020 · Amount on Record
Prior SaleSep 26, 2018 · Amount on Record
Deed Document Number574402
Deed Book / PageD1248 / 100
Record UpdatedJun 08, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address8403 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction TypeMortgage
Record UpdatedFeb 07, 2021
Title CompanyEXECUTIVE TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2415/200
DateMay 20, 2020
Book PageM2415/200
Instrument574404
Lender
NameUNIVERSITY OF KENTUCKY FCU
TypeCredit Union
AddressLEXINGTON, KY 40509
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOLDHAM KY
Recording DateMay 20, 2020
Property Address8403 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Document NumberD1248/100
Book / PageD1248 / 100
Map ReferenceMB 5 PG 22
Instrument DateMay 12, 2020
Instrument574402
Transaction TypeTransfer
Record UpdatedNov 16, 2021
Title CompanyEXECUTIVE TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address8403 SPRUCE HILL RD, 8403, PROSPECT, KY 40059-7402

Transferred To (Grantee/Buyer)

NameVerified Name
Address8403 SPRUCE HILL RD, PROSPECT, KY 40059-7402

Mortgage

Document Number574403
DateMay 20, 2020
Instrument574403
Lender
NameBAY EQUITY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2050

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOLDHAM KY
Recording DateSep 26, 2018
Property Address8403 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Document NumberD1201/0497
Book / PageD1201 / 0497
Map ReferenceMB5 PG22
Instrument DateSep 21, 2018
Instrument544113
Transaction TypeTransfer
Record UpdatedNov 16, 2021
Title CompanyMETRO TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address409 CLAREON DR, 409, ROSEMARY BEACH, FL 32461-7084

Transferred To (Grantee/Buyer)

NameVerified Name
Address8403 SPRUCE HILL RD, PROSPECT, KY 40059-7402

Mortgage

Document Number544114
DateSep 26, 2018
Instrument544114
Lender
NameWELLS FARGO BANK NA
TypeBank
Agreement
TypeARM
AmountAmount Recorded
Term361 Months
DueOct 01, 2048
Interest
Rate TypeAdjustable Rate
Rate3.87%
Type Change DateOct 01, 2025
Change FrequencyAnnually
Min Rate At Change2.25%
Max Rate At Change5.87%
Index1-Year LIBOR
Max Rate8.87%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyOldham County
Unified School DistrictOldham 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.

YearTax BillAssessed ValueAssessed Market Value
2025$10,077.00 (+4.71%)$815,000 (+5.16%) Land $135,000 Building $680,000$815,000 (+5.16%) Land $135,000 Building $680,000
2023$9,624.00$775,000 Land $135,000 Building $640,000$775,000 Land $135,000 Building $640,000

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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

Internet Providers

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

ProviderMax 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

Based on FCC filings for 111 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 SystemLOUISVILLE WATER COMPANY
private · serves 806,997 people
Water SourceSurface water
Last State InspectionOct 2023
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

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