Oldham County property record for 1222 Riverside Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Aug 2021) |
| Tax Bill | $8,170 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Aug 2020 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-01A-00-38 |
| Primary APN | 01-01A-00-38 |
|---|---|
| Alternative APN |
|
| Lot Area | 9,365 sqft (0.215 acres) |
|---|
| Account Number | 68142 |
|---|---|
| Street Address | 1222 RIVERSIDE DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .215AC |
| Legal Subdivision | HARMONY VILLAGE |
| Legal Lot Number | 38 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30801 |
1222 Riverside Dr is owned and occupied by two individuals who bought it in August 2021.
Source: Oldham County records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1222 RIVERSIDE DR, PROSPECT, KY 40059-9062 |
| 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 |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Aug 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MAGNOLIA BANK |
| Jan 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 24, 2022 | Deed of Trust, Mortgage · Construction Mortgage FIRST FINANCIAL BANK |
| Aug 31, 2021 | Deed, Transfer LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 2021 · Amount on File |
| Deed Sale | Aug 31, 2021 · Amount on File |
| Deed Document Number | 2021653005 |
| Deed Book / Page | 1301 / 249 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1222 RIVERSIDE DR, PROSPECT, KY 40059-9062 |
| Transaction Type | Mortgage |
| Record Updated | Jan 1, 2026 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0M2724/640 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | M2724/640 |
| Instrument | 840222 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 10, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | RIVERSIDE DR, PROSPECT, KY 40059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | M2436/1018 |
|---|---|
| Date | Aug 5, 2020 |
| Book Page | M2436/1018 |
| Instrument | 586863 |
| Name | MAGNOLIA BANK |
|---|---|
| Type | Bank |
| Address | HODGENVILLE, KY 42748 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | RIVERSIDE DR, PROSPECT, KY 40059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0M2565/155 |
|---|---|
| Date | Jan 4, 2022 |
| Book Page | M2565/155 |
| Instrument | 672416 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | RIVERSIDE DR, PROSPECT, KY 40059 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | 0M2568/535 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | M2568/535 |
| Instrument | 675078 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Aug 31, 2021 |
| Property Address | RIVERSIDE DR, PROSPECT, KY 40059 |
| Document Number | 0D1301/249 |
| Book / Page | D1301 / 249 |
| Map Reference | MB 68 PG 143 |
| Instrument Date | Aug 25, 2021 |
| Instrument | 653005 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1220 RIVERSIDE DR, PROSPECT, KY 40059-9062 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 11601 CEDARDALE RD, LOUISVILLE, KY 40223-2308 |
The 2025 property tax bill for 1222 Riverside Dr was $8,170.
Source: Oldham County assessment roll, as of December 23, 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 | $8,170.00 | $660,000 Land $180,000 Building $480,000 | $660,000 Land $180,000 Building $480,000 |
| 2023 | $6,424.00 | $516,000 Land $180,000 Building $336,000 | $516,000 Land $180,000 Building $336,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1222 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 1222 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 97% of the US · lower than 97.3% 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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