11715 Covered Bridge Rd, Prospect, KY 40059 Property Records

Oldham County property record for 11715 Covered Bridge Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · built 1960
Lot Size	2.72 acres (118,657 sqft)
Owner	Individual Name on File
Last Sale	$1,050,000 (Aug 2023)
Tax Bill	$12,969 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Jan 2023 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-00-00-22B`

Property Details

APN / Parcel Number

Primary APN	`06-00-00-22B`
Alternative APNs	`37989` `71401`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Stone
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	118,657 sqft (2.72 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	71401
Street Address	11715 COVERED BRIDGE RD
City	PROSPECT
State	KY
Zip	40059-9539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 2.724AC
Legal Lot Number	22B
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2003
Census Tract	30701

Owner

11715 Covered Bridge Rd is owned and occupied by an individual who bought it in August 2023.

Source: Oldham County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
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

Date	Document
Aug 30, 2023	Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK MORTGAGE CO
Jan 9, 2023	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Oct 20, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH BANK & TRUST CO
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO
Jun 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO
Jul 6, 2017	Deed of Trust, Mortgage COMMONWEALTH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2023 · Amount on File
Deed Sale	Aug 30, 2023 · Amount on File
Prior Sale	Feb 14, 2007 · Amount on File
Deed Document Number	739927
Deed Book / Page	D1364 / 397
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Aug 30, 2023
Property Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
Document Number	0D1364/397
Book / Page	D1364 / 397
Instrument Date	Aug 25, 2023
Instrument	739927
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2912 FALMOUTH DR, LOUISVILLE, KY 40205-2875

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539

Mortgage

Document Number	0000739930
Date	Aug 30, 2023
Instrument	739930

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2043

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539

Mortgage

Document Number	00M2613/74
Date	Jan 9, 2023
Book Page	M2613/74
Instrument	717214

Lender

Name	STOCK YARDS BANK MORTGAGE CO
Type	Mortgage Company
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539

Mortgage

Document Number	00M2613/29
Date	Jan 9, 2023
Book Page	M2613/29
Instrument	717155

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
Transaction Type	Mortgage
Record Updated	Nov 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2551/112
Date	Oct 20, 2021
Book Page	M2551/112
Instrument	661290

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40207

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 4, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2541/527
Date	Sep 7, 2021
Book Page	M2541/527
Instrument	654003

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
Transaction Type	Mortgage
Record Updated	Jul 6, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2424/711
Date	Jun 25, 2020
Book Page	M2424/711
Instrument	580005

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11715 COVERED BRIDGE RD, PROSPECT, KY 40059-9539
Transaction Type	Mortgage
Record Updated	Jul 21, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 526942
Date	Jul 6, 2017
Book Page	M2266/882
Instrument	526942

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40207

Agreement

Amount	Amount on Record
Term	119 Months
Due	Jun 23, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 11715 Covered Bridge Rd was $12,969.

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	$12,969.00	$1,050,000 Land $90,000 Building $960,000	$1,050,000 Land $90,000 Building $960,000
2023	$6,227.00 (+0.63%)	$500,000 (-) Land $90,000 Building $410,000	$500,000 (-) Land $90,000 Building $410,000
2022	$6,188.00	$500,000 Land $90,000 Building $410,000	$500,000 Land $90,000 Building $410,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 11715 Covered Bridge Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 11715 Covered Bridge Rd 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	Direct burnable vegetation

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

Nearby Properties on Covered Bridge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures