Oldham County property record for 10509 Elder Ln, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,579 sqft · built 2000 |
| Lot Size | 0.435 acres (18,949 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Dec 2025) |
| Tax Bill | $6,185 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Nov 2012 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-11C-04B-280 |
| Primary APN | 11-11C-04B-280 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,579 sqft Living Area |
| Basement Area | 2,209 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 18,949 sqft (0.435 acres) |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 73961 |
|---|---|
| Street Address | 10509 ELDER LN |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9599 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .435AC |
| Legal Subdivision | GLENOAKS |
| Legal Block | SEC 4B |
| Legal Lot Number | 280 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 30704 |
Source: Oldham County records · APN 11-11C-04B-280
Assessment roll updated December 23, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10509 ELDER LN, PROSPECT, KY 40059-9599 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Oct 04, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Nov 14, 2012 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Aug 28, 2012 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 28, 2009 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 15, 2025 | Warranty Deed, Transfer · VA Mortgage NBKC BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 15, 2025 · Amount on Record |
| Deed Sale | Dec 15, 2025 · Amount on Record |
| Deed Document Number | 2025840091 |
| Deed Book / Page | 1429 / 130 |
| Prior Transfer Date | Nov 19, 2024 |
| Prior Transfer Doc | 0000788516 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 10509 ELDER LN, PROSPECT, KY 40059-9599 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | M2371/0448 |
|---|---|
| Date | Oct 04, 2019 |
| Book Page | M2371/0448 |
| Instrument | 558011 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 10509 ELDER LN, PROSPECT, KY 40059-9599 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2041/900 |
|---|---|
| Date | Nov 14, 2012 |
| Book Page | M2041/900 |
| Instrument | 457929 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 419 Months |
| Due | Oct 17, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 10509 ELDER LN, PROSPECT, KY 40059-9599 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Title Company | FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTINGLY TITLE G |
| Name | Verified Name |
|---|
| Document Number | 0M2026/152 |
|---|---|
| Date | Aug 28, 2012 |
| Book Page | M2026/152 |
| Instrument | 454138 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Sep 01, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 7.87% |
| Index | 1-Year LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 10509 ELDER LN, PROSPECT, KY 40059-9599 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000406134 |
|---|---|
| Date | Jul 28, 2009 |
| Instrument | 406134 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 15, 2025 |
| Property Address | 10509 ELDER LN, PROSPECT, KY 40059-9599 |
| Document Number | 0D1429/130 |
| Book / Page | D1429 / 130 |
| Map Reference | MB 5 PG 53 |
| Instrument Date | Dec 10, 2025 |
| Instrument | 840091 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8901 DUXBURY RD, LOUISVILLE, KY 40242-6910 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 10509 ELDER LN, PROSPECT, KY 40059-9599 |
| Document Number | 0000840094 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 840094 |
| Name | NBKC BANK |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,185.00 (+19.66%) | $470,000 (+6.82%) Land $70,000 Building $400,000 | $470,000 (+6.82%) Land $70,000 Building $400,000 |
| 2023 | $5,169.00 Homeowner's exemption | $440,000 Land $65,000 Building $375,000 | $440,000 Land $65,000 Building $375,000 |
Source: FEMA National Flood Hazard Layer as of October 15, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 237 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LOUISVILLE WATER COMPANY private · serves 806,997 people |
|---|---|
| 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 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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