127 Ridgeway Ave, Saint Matthews (Louisville), KY 40207 Property Records

Louisville/Jefferson County Metro Government property record for 127 Ridgeway Ave, Saint Matthews, KY 40207

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,403 sqft · built 1946
Lot Size	0.173 acres (7,558 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Dec 2002)
Tax Bill	$3,235 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2020 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21025500590042`

Property Details

APN / Parcel Number

Primary APN	`21025500590042`
Alternative APNs	`025500590042` `00053800`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,403 sqft Finished Area
Basement Area	899 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,558 sqft (0.173 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00053800
Street Address	127 RIDGEWAY AVE
City	SAINT MATTHEWS
State	KY
Zip	40207-5020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5-RESIDENTIAL SINGLE FAM
Legal Description	EXCELLA PL
Legal Subdivision	EXCELLA PLACE
Legal Lot Number	59
Jurisdiction	JEFFERSON KY
Township / Civil Division	LOUISVILLE EAST
Census Block Group	3
Census Block	3011
Census Tract	9900

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	127 RIDGEWAY AVE, LOUISVILLE, KY 40207-5020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Apr 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Jun 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK
Dec 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MTG
Feb 7, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/LOUISVILLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2002 · Amount on Record
Deed Sale	Dec 9, 2002 · Amount on Record
Prior Sale	Oct 28, 2002
Deed Document Number	DN2002234534
Deed Book / Page	8022 / 0028
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	127 RIDGEWAY AVE, SAINT MATTHEWS, KY 40207-5020
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057504
Date	Mar 11, 2021
Book Page	17223/766
Instrument	2021057504

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Apr 16, 2020
Property Address	127 RIDGEWAY AVE, SAINT MATTHEWS, KY 40207-5020
Document Number	0116660417
Book / Page	011666 / 000417
Instrument Date	Apr 15, 2020
Instrument	79052
Transaction Type	Transfer
Record Updated	May 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$218.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 154 EASTWOOD KY 400180154, EASTWOOD, KY 40018-0154

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	127 RIDGEWAY AVE, SAINT MATTHEWS, KY 40207-5020
Document Number	0156100164
Instrument Date	Jun 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	127 RIDGEWAY AVE LOUISVILLE KY 402075020, LOUISVILLE, KY 40207-5020

Mortgage

Document Number	0156100164
Date	Jul 19, 2018
Book Page	015610/000164
Instrument	166731

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	127 RIDGEWAY AVE, SAINT MATTHEWS, KY 40207-5020
Document Number	0153590777
Book / Page	015359 / 000777
Instrument Date	Dec 14, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	127 RIDGEWAY AVE LOUISVILLE KY 402075020, LOUISVILLE, KY 40207-5020

Mortgage

Document Number	0153590777
Date	Dec 27, 2017
Book Page	015359/000777
Instrument	305480

Lender

Name	FIFTH THIRD MTG
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2047

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	127 RIDGEWAY AVE, SAINT MATTHEWS, KY 40207-5020
Document Number	0149580277
Book / Page	014958 / 000277
Instrument Date	Feb 7, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	127 RIDGEWAY AVE LOUISVILLE KY 402075020, LOUISVILLE, KY 40207-5020

Mortgage

Document Number	0149580277
Date	Feb 28, 2017
Book Page	014958/000277
Instrument	45744

Lender

Name	FIFTH THIRD BK/LOUISVILLE
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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
Municipality	St. Matthews City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,235.00 (+32.91%) Homeowner's exemption	$336,470 (+30.19%) Land $70,000 Building $266,470
2024			$336,470 (+30.19%) Land $70,000 Building $266,470
2023	$2,434.00 (-3.03%) Homeowner's exemption	$258,450 (-) Land $60,000 Building $198,450	$258,450 (-) Land $60,000 Building $198,450
2022	$2,510.00 Homeowner's exemption	$258,450 Land $60,000 Building $198,450	$258,450 Land $60,000 Building $198,450

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	1 in force
Nearby Flood Claims	1 (2002)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2002 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: BluegrassNet.

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