1126 Riverside Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1126 Riverside Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,136 sqft · built 1950
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,971 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-01A-00-55`

Property Details

APN / Parcel Number

Primary APN	`01-01A-00-55`
Alternative APN	`9282`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,136 sqft Living Area

Exterior

Year Built	Built 1950
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	9282
Street Address	1126 RIVERSIDE DR
City	PROSPECT
State	KY
Zip	40059-9044
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .210AC
Legal Lot Number	55
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1000
Census Tract	30801

Owner

Source: Oldham County records, as of December 22, 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	1126 RIVERSIDE DR, PROSPECT, KY 40059-9044
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Deed Document Number	580-232
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1126 RIVERSIDE DR, PROSPECT, KY 40059-9044
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HORNE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2266/710
Date	Jul 5, 2017
Book Page	M2266/710
Instrument	526892

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jun 4, 2018

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,971.00 (+22.29%)	$400,000 (+23.08%) Land $100,000 Building $300,000	$400,000 (+23.08%) Land $100,000 Building $300,000
2023	$4,065.00	$325,000 Land $100,000 Building $225,000	$325,000 Land $100,000 Building $225,000

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 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	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 70 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 78 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 105 claims

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.

Wildfire

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.

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 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