Oldham County property record for 1108 Riverside Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.615 acres (26,789 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $285,500 (Jan 2024) |
| Tax Bill | $4,971 (2025) |
| Deeds & Mortgages | Dec 2023 Foreclosure Mar 2020 Line of Credit + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-01A-00-64,65&66 |
| Primary APN | 01-01A-00-64,65&66 |
|---|---|
| Alternative APNs |
|
| Lot Area | 26,789 sqft (0.615 acres) |
|---|
| Account Number | 72034 |
|---|---|
| Street Address | 1108 RIVERSIDE DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .615AC |
| Legal Subdivision | HARMONTY VILLAGE |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30801 |
Source: Oldham County records, as of December 23, 2025
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 Record |
|---|---|
| Mailing Address | 7111 GRAF SPRINGS DR, LOUISVILLE, KY 40241-4503 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 7, 2023 | Commissioner's Deed, Foreclosure |
| Mar 12, 2020 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Sep 24, 2019 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Aug 15, 2019 | Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2024 · Amount on Record |
| Deed Sale | Jan 5, 2024 · Amount on Record |
| Prior Sale | Dec 7, 2023 · Amount on Record |
| Deed Document Number | 2024751575 |
| Deed Book / Page | 1373 / 298 |
| Transfer Doc | 0000648242 |
| Record Updated | Oct 29, 2026 |
| Document Type | Commissioner's Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 7, 2023 |
| Property Address | 1108 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Document Number | 0D1371/454 |
| Book / Page | D1371 / 454 |
| Map Reference | MB 68 PG 143 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 750052 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 25, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 7111 GRAF SPRINGS DR, LOUISVILLE, KY 40241-4503 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1108 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Name | Verified Name |
|---|
| Document Number | M2397/331 |
|---|---|
| Date | Mar 12, 2020 |
| Book Page | M2397/331 |
| Instrument | 565610 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Mar 11, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1108 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2019 |
| Name | Verified Name |
|---|
| Document Number | M2368/0901 |
|---|---|
| Date | Sep 24, 2019 |
| Book Page | M2368/0901 |
| Instrument | 557448 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 23, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Aug 15, 2019 |
| Property Address | 1108 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Document Number | D1224/0402 |
| Book / Page | D1224 / 0402 |
| Map Reference | MB 1 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 555785 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1108 RIVERSIDE DR, 1108, PROSPECT, KY 40059-9044 |
| Name | Verified Name |
|---|---|
| Address | 1108 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
Source: Oldham County assessment roll, as of December 23, 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 | $4,971.00 (+20.48%) | $400,000 (+21.21%) Land $100,000 Building $300,000 | $400,000 (+21.21%) Land $100,000 Building $300,000 |
| 2023 | $4,126.00 (+0.73%) | $330,000 (-) Land $100,000 Building $230,000 | $330,000 (-) Land $100,000 Building $230,000 |
| 2022 | $4,096.00 | $330,000 Land $100,000 Building $230,000 | $330,000 Land $100,000 Building $230,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 93 policies |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 776 (1978–2025) |
| Claims Outside the SFHA | 47 of 776 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
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