Oldham County property record for 1122 Riverside Dr, Prospect, KY 40059 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1963 |
| Square Footage | 1,600 sqft Living Area |
| Lot Size | 9,409 sqft (0.216 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $430,000 (2026) |
| Tax Bill | $2,521.00 (2025) |
| Primary APN | 01-01A-00-57 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,600 sqft Living Area |
| Stories | 2 Stories |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,409 sqft (0.216 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Basement Garage |
| Garage Area | 284 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | 3261 |
|---|---|
| Street Address | 1122 RIVERSIDE DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9044 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .216AC |
| Legal Subdivision | HARMONY VILLAGE |
| Legal Lot Number | 57 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 30801 |
Source: Oldham County records · APN 01-01A-00-57
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 | 1910 CROSSGATE LN, LOUISVILLE, KY 40222-6406 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 01, 2009 | Deed of Trust, Mortgage · Conventional Mortgage STOCK YARDS BANK MORTGAGE CO |
| Apr 29, 2013 | Deed of Trust, Mortgage · Conventional Mortgage CENTURY LENDING CO |
| May 16, 2007 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 27, 2010 | Deed of Trust, Mortgage · Conventional Mortgage STOCK YARDS BANK MORTGAGE CO |
| Apr 09, 2026 | Warranty Deed, Transfer · Conventional Mortgage ACUITY TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 09, 2026 · Amount on Record |
| Deed Sale | Apr 09, 2026 · Amount on Record |
| Deed Doc Number | 2026857149 |
| Deed Book / Page | 1438 / 136 |
| Prior Transfer Date | May 18, 2022 |
| Prior Transfer Doc | 0000693207 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1122 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1825/572 |
|---|---|
| Date | Sep 01, 2009 |
| Book Page | M1825/572 |
| Instrument | 408033 |
| Name | STOCK YARDS BANK MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1122 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M2070/632 |
|---|---|
| Date | Apr 29, 2013 |
| Book Page | M2070/632 |
| Instrument | 465787 |
| Name | CENTURY LENDING CO |
|---|---|
| Type | Lending Institution |
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1122 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1633/456 |
|---|---|
| Date | May 16, 2007 |
| Book Page | M1633/456 |
| Instrument | 368746 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PROSPECT, KY 40059 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1122 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0M1852/402 |
|---|---|
| Date | Jan 27, 2010 |
| Book Page | M1852/402 |
| Instrument | 413835 |
| Name | STOCK YARDS BANK MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 09, 2026 |
| Property Address | 1122 RIVERSIDE DR, PROSPECT, KY 40059-9044 |
| Document Number | 0000857149 |
| Book / Page | 1438 / 136 |
| Instrument Date | Apr 08, 2026 |
| Instrument | 2026857149 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Title Company | ACUITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $43,430.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1910 CROSSGATE LN, LOUISVILLE, KY 40222-6406 |
| Investor | Possibly a Property Investor |
| Document Number | 0000857152, |
|---|---|
| Date | Apr 09, 2026 |
| Instrument | 2026857152 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,521.00 (+38.21%) Homeowner's exemption | $250,000 (+31.58%) Land $100,000 Building $150,000 | $250,000 (+31.58%) Land $100,000 Building $150,000 |
| 2023 | $1,824.00 Homeowner's exemption | $190,000 Land $100,000 Building $90,000 | $190,000 Land $100,000 Building $90,000 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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