8405 Spruce Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 8405 Spruce Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,462 sqft · built 1993
Lot Size	1.16 acres (50,529 sqft)
Owner	Individual on Record
Last Sale	$526,000 (Jul 2018)
Tax Bill	$7,186 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28A-06-236`

Property Details

APN / Parcel Number

Primary APN	`06-28A-06-236`
Alternative APN	`59966`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,462 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	50,529 sqft (1.16 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	59966
Street Address	8405 SPRUCE HILL RD
City	PROSPECT
State	KY
Zip	40059-7402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.160AC
Legal Subdivision	HUNTING CREEK ESTATES
Legal Block	SEC 6
Legal Lot Number	236
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2006
Census Tract	30701

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual on Record
Co-owner	Co-owner on Record
Mailing Address	8405 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 11, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Jul 9, 2018	Deed, Transfer · VA Mortgage BANK OF ENGLAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2018 · Amount on Record
Deed Sale	Jul 9, 2018 · Amount on Record
Deed Document Number	540868
Deed Book / Page	D1195 / 0355
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	8405 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2469/845
Date	Nov 30, 2020
Book Page	M2469/845
Instrument	607945

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	8405 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2372/0919
Date	Oct 11, 2019
Book Page	M2372/0919
Instrument	558410

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Jul 9, 2018
Property Address	8405 SPRUCE HILL RD, PROSPECT, KY 40059-7402
Document Number	D1195/0355
Book / Page	D1195 / 0355
Map Reference	MB5 PG22
Instrument Date	Jun 29, 2018
Instrument	540868
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

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	140 MASONIC HOME DR APT 3204, 140, MASONIC HOME, KY 40041-9075

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8405 SPRUCE HILL RD, PROSPECT, KY 40059-7402

Mortgage

Document Number	540869
Date	Jul 9, 2018
Instrument	540869

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

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	$7,186.00 (+9.74%)	$580,000 (+10.27%) Land $100,000 Building $480,000	$580,000 (+10.27%) Land $100,000 Building $480,000
2023	$6,548.00	$526,000 Land $100,000 Building $426,000	$526,000 Land $100,000 Building $426,000

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

8405 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

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2018: 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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