Oldham County property record for 1206 Riverside Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,475 sqft · built 2000 |
| Lot Size | 0.412 acres (17,990 sqft) |
| Owner | Trust Name on File |
| Last Sale | $845,000 (Jan 2021) |
| Tax Bill | $8,785 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit Jan 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-01A-00-46ETC |
| Primary APN | 01-01A-00-46ETC |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,475 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Composition Shingle |
| Lot Area | 17,990 sqft (0.412 acres) |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 65694 |
|---|---|
| Street Address | 1206 RIVERSIDE DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .413AC |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30801 |
1206 Riverside Dr is owner-occupied and held in a trust since January 2021.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Trust Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1206 RIVERSIDE DR, PROSPECT, KY 40059-9062 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
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 |
|---|---|
| Dec 5, 2019 | Deed of Trust, Mortgage · Line of Credit RIVER CITY BANK INC |
| Jan 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 13, 2021 · Amount on File |
| Deed Sale | Jan 13, 2021 · Amount on File |
| Deed Document Number | 615445 |
| Deed Book / Page | D1275 / 39 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1206 RIVERSIDE DR, PROSPECT, KY 40059-9062 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | MATTINGLY FORD TTL SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | M2382/0458 |
|---|---|
| Date | Dec 5, 2019 |
| Book Page | M2382/0458 |
| Instrument | 560733 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 5 Months |
| Due | May 25, 2020 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jan 13, 2021 |
| Property Address | 1206 RIVERSIDE DR, PROSPECT, KY 40059-9062 |
| Document Number | D1275/39 |
| Book / Page | D1275 / 39 |
| Map Reference | MB 68 PG 143 |
| Instrument Date | Jan 8, 2021 |
| Instrument | 615445 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| 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 | 1206 RIVERSIDE DR, 1206, PROSPECT, KY 40059-9062 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1206 RIVERSIDE DR, PROSPECT, KY 40059-9062 |
| Document Number | 615446 |
|---|---|
| Date | Jan 13, 2021 |
| Instrument | 615446 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 1206 Riverside Dr was $8,785.
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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,785.00 | $710,000 Land $160,000 Building $550,000 | $710,000 Land $160,000 Building $550,000 |
| 2023 | $8,265.00 | $665,000 Land $160,000 Building $505,000 | $665,000 Land $160,000 Building $505,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1206 Riverside Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 File 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 |
|
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 1206 Riverside Dr is low, with less than 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 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.
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 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 |
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