Oldham County property record for 11520 River Beauty Loop, Prospect, KY 40059
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,808,565 (Oct 2025) |
| Tax Bill | $3,916 (2025) |
| Deeds & Mortgages | Feb 2025 Construction Loan Oct 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-14-1B-75 |
| Primary APN | 11-14-1B-75 |
|---|---|
| Alternative APN |
|
| Lot Area | 7,841 sqft (0.18 acres) |
|---|
| Account Number | 72264 |
|---|---|
| Street Address | 11520 RIVER BEAUTY LOOP |
| City | PROSPECT |
| State | KY |
| Zip | 40059-6320 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | .1789AC |
| Legal Block | SEC 1B |
| Legal Lot Number | 75 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 30704 |
11520 River Beauty Loop, residential vacant land, is owned and occupied by an individual who bought it in October 2025.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 11520 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 5, 2025 | Deed of Trust, Mortgage · Construction Mortgage WILSON & MUIR BANK & TRUST CO |
| Oct 8, 2025 | Deed, Subdivision Related Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 8, 2025 · Amount on File |
| Deed Sale | Oct 8, 2025 · Amount on File |
| Deed Document Number | 830388 |
| Deed Book / Page | D1424 / 220 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 11520 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6320 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 201 MERIDIAN AVE 201, 201, LOUISVILLE, KY 40207-3882 |
| Investor | Possibly a Property Investor |
| Document Number | 0M2686/763 |
|---|---|
| Date | Feb 5, 2025 |
| Book Page | M2686/763 |
| Instrument | 796065 |
| Name | WILSON & MUIR BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40207 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 17 Months |
| Due | Jul 24, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 8, 2025 |
| Property Address | 11520 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6320 |
| Document Number | 0D1424/220 |
| Book / Page | D1424 / 220 |
| Map Reference | CAB 8 SL 27 |
| Instrument Date | Oct 3, 2025 |
| Instrument | 830388 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | LAND GROUP TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,809.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 MERIDIAN AVE, LOUISVILLE, KY 40207-3882 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11520 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6320 |
| Document Number | 00M2716/88 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | M2716/88 |
| Instrument | 830389 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
Source: Oldham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
FEMA maps place 11520 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 11520 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 |
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 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 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 |
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