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8404 Spruce Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 8404 Spruce Hill Rd, Prospect, KY 40059

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,837 sqft · built 1994
Lot Size1.05 acres (45,825 sqft)
OwnerIndividual Name on File
Last Sale$630,000 (Jan 2010)
Tax Bill$7,863 (2025)
Deeds & MortgagesJun 2022 Line of Credit
Mar 2017 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-28A-06-241

Property Details

APN / Parcel Number

Primary APN06-28A-06-241
Alternative APN
  • 43593

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,837 sqft Living Area
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1994
Construction TypeFrame
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area45,825 sqft (1.05 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air

Location & Zoning

Account Number43593
Street Address8404 SPRUCE HILL RD
CityPROSPECT
StateKY
Zip40059-7402
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & 1.052AC
Legal SubdivisionHUNTING CREEK ESTATES
Legal BlockSEC 6
Legal Lot Number241
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2006
Census Tract30701

Owner

Source: Oldham County records · APN 06-28A-06-241

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 Address8404 SPRUCE HILL RD, PROSPECT, KY 40059-7402
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 01, 2022Deed of Trust, Mortgage · Line of Credit
REPUBLIC BANK & TRUST CO
Mar 07, 2017Deed of Trust, Mortgage · Line of Credit
STOCK YARDS BANK & TRUST CO
Aug 28, 2020Deed of Trust, Mortgage · Commercial Mortgage
STOCK YARDS BANK & TRUST CO
Oct 24, 2018Deed of Trust, Mortgage · Commercial Mortgage
STOCK YARDS BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 04, 2010 · Amount on Record
Deed SaleJan 04, 2010 · Amount on Record
Deed Document Number412815
Deed Book / PageD965 / 605
Record UpdatedJun 08, 2026

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address8404 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction TypeMortgage
Record UpdatedJun 16, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address8404 SPRUCE HILL RD, PROSPECT, KY 40059-7402

Mortgage

Document Number0M2587/495
DateJun 01, 2022
Book PageM2587/495
Instrument692813
Lender
NameREPUBLIC BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40202
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

March 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address8404 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2251/145
DateMar 07, 2017
Book PageM2251/145
Instrument521994
Lender
NameSTOCK YARDS BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40232
Agreement
TypeLine of Credit
AmountAmount Recorded
Term9 Months
DueDec 01, 2017
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address8404 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2243/849
DateAug 28, 2020
Book PageM2243/849
Instrument591510
Lender
NameSTOCK YARDS BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40232
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term12 Months
DueAug 14, 2021
Interest
Rate TypeAdjustable Rate

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Property Address8404 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction TypeMortgage
Record UpdatedNov 08, 2018

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document NumberM2325/0840
DateOct 24, 2018
Book PageM2325/0840
Instrument545115
Lender
NameSTOCK YARDS BANK & TRUST CO
TypeBank
AddressLOUISVILLE, KY 40232
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

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$7,863.00 (+6.26%)$635,000 (+6.72%) Land $135,000 Building $500,000$635,000 (+6.72%) Land $135,000 Building $500,000
2023$7,400.00$595,000 Land $135,000 Building $460,000$595,000 Land $135,000 Building $460,000

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 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, availability as of December 31, 2025 · sampled at 111 locations within half a mile · 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

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 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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