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Single Family ResidenceResidential
$391,068$206 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 91How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

12806 RIDGE LOCK CT

PROSPECT, KY 40059
3
Beds
2
Baths
1,900 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.54 ac
Lot SizeThe size of the land the home sits on, from county records.
1986
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$391K
$356K low$427K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$198,174
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$158,539
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.47%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$192,894
JPMORGAN CHASE BANK NA · recorded Jun 10, 2010

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,926 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$315,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$265,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$315,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$315,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOldham
Lot (acres)The size of the land the home sits on, from county records.0.54
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Goshen Elementary SchoolA
Elementary · Grades KG–5 · 0.3 mi
M
North Oldham Middle SchoolA
Middle · Grades 6–8 · 1.9 mi
H
North Oldham High SchoolA+
High · Grades 9–12 · 1.9 mi

District: Oldham County School District

Neighborhood · ZIP 40059These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.20,754
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.687 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$161,695
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$242,554
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

12806 Ridge Lock Ct measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 84% of homes in Prospect 40059
  • Smaller than 77% of homes in Prospect 40059
  • Has a bigger lot than 67% of homes in Prospect 40059
  • Older than 69% of homes in Prospect 40059

What homes are worth in Prospect 40059

Each bar is how many homes fall in that price range. The marker is this home.

This home
$75K$2M

This home is worth more than 16% of homes in Prospect 40059.

How it measures up in Prospect 40059

The dot is this home. The mark in the middle is the typical home in Prospect 40059.

Estimated value$391,068
CheaperTypical $657,400Pricier

Pricier than 16% of homes nearby

Price per ft²$206
CheaperTypical $221Pricier

Pricier than 37% of homes nearby

Living area1,900 ft²
SmallerTypical 2,659 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.54 ac
SmallerTypical 0.38 acBigger

Bigger than 67% of homes nearby

Year built1986
OlderTypical 1994Newer

Newer than 31% of homes nearby

How 12806 Ridge Lock Ct ranks against every home in each area.
MeasureThis homeProspect 40059Oldham County
Estimated valuepricier than$391,06816% of homes38% of homes
Price per ft²pricier than$20637% of homes36% of homes
Living areabigger than1,900 ft²23% of homes48% of homes
Lot sizebigger than0.54 ac67% of homes46% of homes
Year builtnewer than198631% of homes37% of homes

About 12806 Ridge Lock Ct

How much is 12806 Ridge Lock Ct, Prospect, KY worth?

The TopHap Estimate for 12806 Ridge Lock Ct, Prospect, KY is $391,068 as of Jul 14, 2026. The likely range is $355,527 to $426,609. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 12806 Ridge Lock Ct, Prospect, KY?

12806 Ridge Lock Ct, Prospect, KY has 3 bedrooms, 2 bathrooms, 1,900 square feet of living space and a 0.54-acre lot.

When was 12806 Ridge Lock Ct, Prospect, KY built?

12806 Ridge Lock Ct, Prospect, KY was built in 1986, making it 40 years old. The building has 1 story.

What schools serve 12806 Ridge Lock Ct, Prospect, KY?

12806 Ridge Lock Ct, Prospect, KY is assigned to Goshen Elementary School (elementary), rated A; North Oldham Middle School (middle), rated A; North Oldham High School (high), rated A+. All sit in Oldham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 12806 Ridge Lock Ct, Prospect, KY compare to other homes in Prospect 40059?

Among the 8,612 homes in Prospect 40059, it is worth more than 16% of them ($391,068 against a typical $657,400), its price per square foot is higher than 37% of them ($206 against a typical $221), it is bigger than 23% of them (1,900 ft² against a typical 2,659 ft²), its lot is bigger than 67% of them (0.54 ac against a typical 0.38 ac) and it is newer than 31% of them (1986 against a typical 1994). Measured against all of Oldham County, it is worth more than 38% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 12806 Ridge Lock Ct, Prospect, KY?

The 2025 property tax bill for 12806 Ridge Lock Ct, Prospect, KY was $3,926. The county assessed it at $315,000.

Closest homes

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Assigned schools

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