Oldham County property record for 10401 Covered Bridge Rd, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,172 sqft · built 1895 |
| Lot Size | 12 acres (522,720 sqft) |
| Owner | Individual Name on File |
| Last Sale | $985,000 (Jan 2018) |
| Tax Bill | $13,215 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-00-00-10 |
| Primary APN | 10-00-00-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,172 sqft Living Area |
| Fireplaces | 7 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 522,720 sqft (12 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 58852 |
|---|---|
| Street Address | 10401 COVERED BRIDGE RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9528 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, BARN & 11.515 AC LOT |
| Legal Lot Number | 10 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30701 |
10401 Covered Bridge Rd is owned and occupied by an individual who bought it in January 2018.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 10401 COVERED BRIDGE RD, PROSPECT, KY 40059-9528 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVANSVILLE TEACHERS FCU |
| Aug 23, 2019 | Deed of Trust, Mortgage · ARM EVANSVILLE TEACHERS FCU |
| Jan 23, 2018 | Deed, Transfer · ARM FIRST LIBERTY FINANCIAL GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2018 · Amount on File |
| Deed Sale | Jan 23, 2018 · Amount on File |
| Deed Document Number | 534980 |
| Deed Book / Page | D1183 / 212 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 10401 COVERED BRIDGE RD, PROSPECT, KY 40059-9528 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2424/343 |
|---|---|
| Date | Jun 25, 2020 |
| Book Page | M2424/343 |
| Instrument | 579820 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | EVANSVILLE, IN 47715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jul 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 10401 COVERED BRIDGE RD, PROSPECT, KY 40059-9528 |
| Transaction Type | Mortgage |
| Record Updated | Sep 4, 2019 |
| Title Company | LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2363/0959 |
|---|---|
| Date | Aug 23, 2019 |
| Book Page | M2363/0959 |
| Instrument | 556140 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40223 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Aug 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.37% |
| Index | 1-Year LIBOR |
| Max Rate | 9.37% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jan 23, 2018 |
| Property Address | 10401 COVERED BRIDGE RD, PROSPECT, KY 40059-9528 |
| Document Number | D1183/212 |
| Book / Page | D1183 / 212 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 534980 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $985.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3879 WENTWORTH PL, 3879, LEXINGTON, KY 40515-6486 |
| Name | Verified Name |
|---|---|
| Address | 10401 COVERED BRIDGE RD, PROSPECT, KY 40059-9528 |
| Document Number | 534981 |
|---|---|
| Date | Jan 23, 2018 |
| Instrument | 534981 |
| Name | FIRST LIBERTY FINANCIAL GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.5% |
| Index | 1-Year LIBOR |
| Max Rate | 9.5% |
The 2025 property tax bill for 10401 Covered Bridge Rd was $13,215.
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 | $13,215.00 | $1,070,000 Land $250,000 Building $820,000 | $1,070,000 Land $250,000 Building $820,000 |
| 2023 | $12,267.00 | $985,000 Land $240,000 Building $745,000 | $985,000 Land $240,000 Building $745,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10401 Covered Bridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 10401 Covered Bridge Rd is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
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 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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