Louisville/Jefferson County Metro Government property record for 10609 Elder Ln, Prospect, KY 40059 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 2001 |
| Square Footage | 2,948 sqft Finished Area |
| Lot Size | 18,295 sqft (0.42 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $750,000 (2026) |
| Tax Bill | $5,189.00 (2025) |
| Primary APN | 21277702070000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 5 Rooms |
| Building Area | 2,948 sqft Finished Area |
| Basement Area | 1,938 sqft Basement |
| Finished Basement | 1,298 sqft Finished |
| Stories | 2 Stories |
| Primary Flooring | Covered Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Wood Construction |
| Roof Construction | Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 18,295 sqft (0.42 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 470 sqft Garage |
| Deck Area | 384 sqft Deck |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Central Heating |
| Account Number | 00002349 |
|---|---|
| Street Address | 10609 ELDER LN |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8500 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 207 GLENOAKS SUB SEC 4A PB 41 PG 30 0.4273 AC |
| Legal Subdivision | GLENOAKS SUB |
| Legal Lot Number | 207 |
| Jurisdiction | JEFFERSON KY |
| Minor Civil Division | NORTHEAST JEFFERSON |
| Census Blockgroup | 4 |
| Census Block | 4003 |
| Census Tract | 10313 |
Source: Louisville/Jefferson County Metro Government records · APN 21277702070000
Assessment roll updated December 16, 2025 · Last verified July 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 | 10609 ELDER LN, PROSPECT, KY 40059-8500 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 02, 2026 | Deed, Transfer · Conventional Mortgage MORGAN STANLEY BANK |
| Jan 28, 2021 | Warranty Deed, Transfer · Veterans Administration Mortgage WINTRUST MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2026 · Amount on Record |
| Deed Sale | Jul 02, 2026 · Amount on Record |
| Prior Sale | Jan 28, 2021 · Amount on Record |
| Deed Doc Number | 202678704 |
| Deed Book / Page | 13363 / 851 |
| Prior Transfer Date | Nov 27, 2002 |
| Prior Transfer Doc | 0000226309 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Recording Date | Jul 02, 2026 |
| Property Address | 10609 ELDER LN, PROSPECT, KY 40059-8500 |
| Document Number | 0000078704 |
| Book / Page | 13363 / 851 |
| Instrument Date | Jun 30, 2026 |
| Instrument | 202678704 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2026 |
| Title Company | LIMESTONE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,750.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10609 ELDER LN, PROSPECT, KY 40059-8500 |
| Document Number | 0000078705, |
|---|---|
| Date | Jul 02, 2026 |
| Instrument | 202678705 |
| Name | MORGAN STANLEY BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Recording Date | Jan 28, 2021 |
| Property Address | 10609 ELDER LN, PROSPECT, KY 40059-8500 |
| Document Number | 0119140747 |
| Book / Page | 011914 / 000747 |
| Instrument Date | Jan 26, 2021 |
| Instrument | 23775 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2021 |
| Title Company | AGENCY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $466.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 10609 ELDER LN PROSPECT KY 400598500, PROSPECT, KY 40059-8500 |
| Document Number | 171170272 |
|---|---|
| Date | Jan 28, 2021 |
| Book Page | 017117/000272 |
| Instrument | 23776 |
| Name | WINTRUST MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROSEMONT, IL 60018 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 27, 2051 |
Source: Louisville/Jefferson County Metro Government records · Assessment roll updated December 16, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County / Consolidated City | Louisville/Jefferson County Metro Government |
| Unified School District | Jefferson 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 | $5,189.00 (-3.62%) | $465,000 (-) Land $60,000 Building $405,000 | |
| 2024 | $465,000 (-) Land $60,000 Building $405,000 | ||
| 2023 | $5,384.00 (-0.35%) | $465,000 (-) Land $60,000 Building $405,000 | $465,000 (-) Land $60,000 Building $405,000 |
| 2022 | $5,403.00 | $465,000 Land $60,000 Building $405,000 | $465,000 Land $60,000 Building $405,000 |
Source: FEMA National Flood Hazard Layer, Louisville/Jefferson County Metro Government (21111C), updated January 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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