12103 River Beauty Loop, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 12103 River Beauty Loop, Prospect, KY 40059

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Lot Size	0.056 acres (2,444 sqft)
Owner	Company Name on File
Last Sale	$3,000,000 (Dec 2024)
Tax Bill	$16,745 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21403910220000`

Property Details

APN / Parcel Number

Primary APN	`21403910220000`
Alternative APNs	`403910220000` `02002942`

Exterior

Lot Area	2,444 sqft (0.056 acres)

Location & Zoning

Account Number	02002942
Street Address	12103 RIVER BEAUTY LOOP
City	PROSPECT
State	KY
Zip	40059-6344
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	0.0874 AC LOT N1022 NORTON COMMONS NORTH VILLAGE, PHASE 10 PB 59, PGS 88-89
Legal Subdivision	NORTON COMMONS NORTH VILLAGE PHASE 10
Legal Phase	10
Legal Lot Number	N1022
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1001
Census Tract	10313

Owner

12103 River Beauty Loop, a commercial property, is owned by a company that bought it in December 2024.

Source: Louisville/Jefferson County Metro Government records, as of December 15, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	4953 SPRING FARM RD, PROSPECT, KY 40059-7665
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2024 · Amount on File
Deed Sale	Dec 23, 2024 · Amount on File
Prior Sale	Jan 8, 2024 · Amount on File
Deed Document Number	0012981865
Deed Book / Page	12981 / 865
Record Updated	Jun 8, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jan 8, 2024
Property Address	12103 RIVER BEAUTY LOOP, PROSPECT, KY 40059-6344
Document Number	0000002337
Book / Page	D 12762 / 239
Map Reference	MB 59 PG 88
Instrument Date	Dec 22, 2023
Instrument	2024002337
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,701.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7400 S PARK PL STE 3, 3, LOUISVILLE, KY 40222-4921

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9850 VON ALLMEN CT STE 201, 201, LOUISVILLE, KY 40241-2855

Mortgage

Document Number	0000002338
Date	Jan 8, 2024
Instrument	2024002338

Lender

Name	THE PADUCAH BANK AND TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 22, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 12103 River Beauty Loop was $16,745.

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Consolidated City	Louisville/Jefferson County Metro Government
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,745.00	$1,500,530 Land $117,780 Building $1,382,750
2024			$1,500,530 (+488.24%) Land $117,780 Building $1,382,750
2023	$2,953.00 (+223.09%)	$255,090 (+224.05%) Land $117,780 Building $137,310	$255,090 (+224.05%) Land $117,780 Building $137,310
2022	$914.00	$78,720 Land $78,720	$78,720 Land $78,720

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 12103 River Beauty Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2026 · 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
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	2 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 12103 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.

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