11524 River Beauty Loop, Prospect, KY 40059 Property Records

Oldham County property record for 11524 River Beauty Loop, Prospect, KY 40059

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$1,350,000 (Aug 2025)
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-14-1B-77`

Property Details

APN / Parcel Number

Primary APN	`11-14-1B-77`
Alternative APN	`65204`

Exterior

Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Account Number	65204
Street Address	11524 RIVER BEAUTY LOOP
City	PROSPECT
State	KY
Zip	40059-6320
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	.1501AC
Legal Block	SEC 1B
Legal Lot Number	77
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1017
Census Tract	30704

Owner

11524 River Beauty Loop, residential vacant land, is owned and occupied by an individual who bought it in August 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	11524 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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2025 · Amount on File
Deed Sale	Aug 5, 2025 · Amount on File
Deed Document Number	820308
Deed Book / Page	D1418 / 69
Record Updated	Jun 8, 2026

August 2025: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Aug 5, 2025
Property Address	11524 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6320
Document Number	00D1418/69
Book / Page	D1418 / 69
Map Reference	CAB 8 SL 27
Instrument Date	Aug 1, 2025
Instrument	820308
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 23, 2025
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,350.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7400 S PARK PLACE STE 4, 4, LOUISVILLE, KY 40222-4921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11524 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6320

Mortgage

Document Number	0000820309
Date	Aug 5, 2025
Instrument	820309

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Type Change Date	Aug 1, 2030
Change Frequency	6 Months
Min Rate At Change	4.62%
Max Rate At Change	8.62%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.6%

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)

Flood

FEMA maps place 11524 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

Wildfire risk around 11524 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.

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 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