Oldham County property record for 11409 River Beauty Loop, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.185 acres (8,054 sqft) |
| Owner | Individual Name on File |
| Last Sale | $2,400,000 (Feb 2025) |
| Tax Bill | $31,379 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Oct 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-14-1A-38 |
| Primary APN | 11-14-1A-38 |
|---|---|
| Alternative APNs |
|
| Lot Area | 8,054 sqft (0.185 acres) |
|---|
| Account Number | 74310 |
|---|---|
| Street Address | 11409 RIVER BEAUTY LOOP |
| City | PROSPECT |
| State | KY |
| Zip | 40059-6318 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .1849AC |
| Legal Subdivision | NORTON COMMONS |
| Legal Block | SEC 1A |
| Legal Lot Number | 38 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 30704 |
11409 River Beauty Loop is owned by an individual who bought it in February 2025.
Source: Oldham County records, as of June 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10805 MEETING ST, PROSPECT, KY 40059-7593 |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 23, 2023 | Deed of Trust, Mortgage · ARM REPUBLIC BANK & TRUST CO |
| Oct 19, 2022 | Deed, Subdivision Related Transfer · Conventional Mortgage REPUBLIC BANK & TRUST |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2025 · Amount on File |
| Deed Sale | Feb 3, 2025 · Amount on File |
| Deed Document Number | 2025795597 |
| Deed Book / Page | 1402 / 478 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 11409 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6318 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 11409 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6318 |
| Document Number | 0M2640/815 |
|---|---|
| Date | Oct 23, 2023 |
| Book Page | M2640/815 |
| Instrument | 745331 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 17, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 19, 2022 |
| Property Address | 11409 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6318 |
| Document Number | 0D1342/217 |
| Book / Page | D1342 / 217 |
| Map Reference | CAB 8 SL 2 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 709718 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4403 CREEKCROSSING DR, LOUISVILLE, KY 40241-5511 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 11409 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6318 |
| Document Number | 0000709721 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 709721 |
| Name | REPUBLIC BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.3% |
| Index | Other |
| Margin | 8 |
| Max Rate | 10.3% |
The 2025 property tax bill for 11409 River Beauty Loop was $31,379.
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 | $31,379.00 | $2,400,000 Land $244,074 Building $2,155,926 | $2,400,000 Land $244,074 Building $2,155,926 |
| 2023 | $25,584.00 | $1,963,556 Land $244,074 Building $1,719,482 | $1,963,556 Land $244,074 Building $1,719,482 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11409 River Beauty Loop in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 risk around 11409 River Beauty Loop is low, with a 0.01% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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