Oldham County property record for 8500 Spruce Hill Rd, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 4,894 sqft · built 1994 |
| Lot Size | 1.08 acres (47,436 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $650,000 (Oct 2017) |
| Tax Bill | $9,093 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-28A-06-243 |
| Primary APN | 06-28A-06-243 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,894 sqft Living Area |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 47,436 sqft (1.08 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 58244 |
|---|---|
| Street Address | 8500 SPRUCE HILL RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-7401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.089AC |
| Legal Block | SEC 6 |
| Legal Lot Number | 243 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 30701 |
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 | 8500 SPRUCE HILL RD, PROSPECT, KY 40059-7401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage EVANSVILLE TEACHERS FCU |
| Apr 27, 2020 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Aug 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY TRUST BANK INC |
| Oct 11, 2017 | Deed, Transfer · ARM COMMUNITY TRUST BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 11, 2017 · Amount on Record |
| Deed Sale | Oct 11, 2017 · Amount on Record |
| Deed Document Number | 531180 |
| Deed Book / Page | D1174 / 208 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 8500 SPRUCE HILL RD, PROSPECT, KY 40059-7401 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2556/814 |
|---|---|
| Date | Nov 16, 2021 |
| Book Page | M2556/814 |
| Instrument | 666016 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | EVANSVILLE, IN 47715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 8500 SPRUCE HILL RD, PROSPECT, KY 40059-7401 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2020 |
| Name | Verified Name |
|---|
| Document Number | M2408/121 |
|---|---|
| Date | Apr 27, 2020 |
| Book Page | M2408/121 |
| Instrument | 570386 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 26, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 8500 SPRUCE HILL RD, PROSPECT, KY 40059-7401 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2019 |
| Name | Verified Name |
|---|
| Document Number | M2364/0053 |
|---|---|
| Date | Aug 27, 2019 |
| Book Page | M2364/0053 |
| Instrument | 556247 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Address | PIKEVILLE, KY 41502 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 11, 2017 |
| Property Address | 8500 SPRUCE HILL RD, PROSPECT, KY 40059-7401 |
| Document Number | D1174/208 |
| Book / Page | D1174 / 208 |
| Map Reference | MB39 PG1 |
| Instrument Date | Sep 14, 2017 |
| Instrument | 531180 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4605 ABERCORNE TER, 4605, LOUISVILLE, KY 40241-6145 |
| Name | Verified Name |
|---|---|
| Address | 8500 SPRUCE HILL RD, PROSPECT, KY 40059-7401 |
| Document Number | 531181 |
|---|---|
| Date | Oct 11, 2017 |
| Instrument | 531181 |
| Name | COMMUNITY TRUST BANK INC |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
Source: Oldham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,093.00 (+7.61%) | $735,000 (+8.09%) Land $135,000 Building $600,000 | $735,000 (+8.09%) Land $135,000 Building $600,000 |
| 2023 | $8,450.00 | $680,000 Land $130,000 Building $550,000 | $680,000 Land $130,000 Building $550,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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