10709 Elder Ln, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 10709 Elder Ln, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	5 ba · 2,697 sqft · built 1995
Lot Size	0.989 acres (43,124 sqft)
Owner	Individual Name on Record
Last Sale	$527,000 (Jan 2022)
Tax Bill	$5,881 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`21277702000000`

Property Details

APN / Parcel Number

Primary APN	`21277702000000`
Alternative APNs	`277702000000` `00002519`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,697 sqft Finished Area
Basement Area	1,728 sqft
Finished Basement	1,013 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,124 sqft (0.989 acres)
Garage Type	Attached
Garage Area	509 sqft
Parking Spaces	2 Parking Spaces
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00002519
Street Address	10709 ELDER LN
City	PROSPECT
State	KY
Zip	40059-8501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	.99 AC LOT 200 GLENOAKS SUB SEC 4A PB 41 PG 30
Legal Subdivision	GLENOAKS SUB
Legal Lot Number	200
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	4
Census Block	4002
Census Tract	10313

Owner

Source: Louisville/Jefferson County Metro Government records, as of December 15, 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	10709 ELDER LN, PROSPECT, KY 40059-8501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE CORP
Jan 3, 2022	Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Dec 4, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTY HM MTG CORP
Apr 29, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARANTY HM MTG CORP
Nov 4, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTY HM MTG CORP
May 16, 2019	Quit Claim Deed, Mortgage · Conventional with PMI PROVIDENT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on Record
Deed Sale	Jan 3, 2022 · Amount on Record
Prior Sale	May 16, 2019
Deed Document Number	09098073
Deed Book / Page	12239 / 346
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	10709 ELDER LN, PROSPECT, KY 40059-8501
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000150075
Date	Jun 17, 2021
Book Page	17454/525
Instrument	2021150075

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company
Address	NASHVILLE, TN 37210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jan 3, 2022
Property Address	10709 ELDER LN, PROSPECT, KY 40059-8501
Document Number	0000000572
Book / Page	D 12239 / 346
Map Reference	MB 41 PG 30
Instrument Date	Dec 28, 2021
Instrument	2022000572
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$527.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9410 DEERFOOT TRCE APT 207, 207, PROSPECT, KY 40059-5114

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	10709 ELDER LN, PROSPECT, KY 40059-8501

Mortgage

Document Number	0000000573
Date	Jan 3, 2022
Instrument	2022000573

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	10709 ELDER LN, PROSPECT, KY 40059-8501
Document Number	0170130365
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10709 ELDER LN PROSPECT KY 400598501, PROSPECT, KY 40059-8501

Mortgage

Document Number	0170130365
Date	Dec 15, 2020
Book Page	017013/000365
Instrument	267951

Lender

Name	GUARANTY HM MTG CORP
Address	NASHVILLE, TN 37210

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	10709 ELDER LN, PROSPECT, KY 40059-8501
Document Number	0165290784
Instrument Date	Apr 29, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	HOME CLOSINGS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10709 ELDER LN PROSPECT KY 400598501, PROSPECT, KY 40059-8501

Mortgage

Document Number	0165290784
Date	May 11, 2020
Book Page	016529/000784
Instrument	92044

Lender

Name	GUARANTY HM MTG CORP
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	10709 ELDER LN, PROSPECT, KY 40059-8501
Document Number	0162300099
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	HOME CLOSINGS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10709 ELDER LN PROSPECT KY 400598501, PROSPECT, KY 40059-8501

Mortgage

Document Number	0162300099
Date	Nov 12, 2019
Book Page	016230/000099
Instrument	260271

Lender

Name	GUARANTY HM MTG CORP
Address	MURFREESBORO, TN 37129

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

May 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON KY
Recording Date	May 16, 2019
Property Address	10709 ELDER LN, PROSPECT, KY 40059-8501
Document Number	0114090965
Book / Page	011409 / 000965
Instrument Date	May 1, 2019
Instrument	109096
Transaction Type	Mortgage
Record Updated	May 31, 2019
Title Company	HOME CLOSINGS INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10709 ELDER LN PROSPECT KY 400598501, PROSPECT, KY 40059-8501

Mortgage

Document Number	159550781
Date	May 16, 2019
Book Page	015955/000781
Instrument	109097

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

Tax Assessment & Valuation

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Consolidated City	Louisville/Jefferson County Metro Government
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,881.00 (-3.62%)	$527,000 (-) Land $122,190 Building $404,810
2024			$527,000 (-) Land $122,190 Building $404,810
2023	$6,102.00 (+3.37%)	$527,000 (+3.73%) Land $122,190 Building $404,810	$527,000 (+3.73%) Land $122,190 Building $404,810
2022	$5,903.00	$508,050 Land $122,190 Building $385,860	$508,050 Land $122,190 Building $385,860

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective January 26, 2026

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 237 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

10709 Elder Ln, Prospect, KY 40059 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2019: Quit Claim Deed, Mortgage

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Elder Ln

Nearby Streets

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