1312 Riverside Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1312 Riverside Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 590 sqft · built 1991
Lot Size	0.221 acres (9,627 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Jan 2022)
Tax Bill	$3,126 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`01-01A-00-30`

Property Details

APN / Parcel Number

Primary APN	`01-01A-00-30`
Alternative APN	`67982`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	590 sqft Living Area

Exterior

Year Built	Built 1991
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	9,627 sqft (0.221 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	67982
Street Address	1312 RIVERSIDE DR
City	PROSPECT
State	KY
Zip	40059-9063
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .221AC
Legal Lot Number	30
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1000
Census Tract	30801

Owner

1312 Riverside Dr is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1312 RIVERSIDE DR, PROSPECT, KY 40059-9063
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2022 · Amount on File
Deed Sale	Jan 6, 2022 · Amount on File
Prior Sale	Jul 13, 2005 · Amount on File
Deed Document Number	673143
Deed Book / Page	D1315 / 122
Record Updated	Jun 8, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Jan 6, 2022
Property Address	1312 RIVERSIDE DR, PROSPECT, KY 40059-9063
Document Number	0D1315/122
Book / Page	D1315 / 122
Map Reference	MB 68 PG 143
Instrument Date	Jan 5, 2022
Instrument	673143
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4520 PORTICO CT, 4520, LOUISVILLE, KY 40299-6218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1312 RIVERSIDE DR, PROSPECT, KY 40059-9063

Mortgage

Document Number	0000673144
Date	Jan 6, 2022
Instrument	673144

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1312 Riverside Dr was $3,126.

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	$3,126.00	$250,000 Land $100,000 Building $150,000	$250,000 Land $100,000 Building $150,000
2023	$2,891.00	$230,000 Land $100,000 Building $130,000	$230,000 Land $100,000 Building $130,000

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

Flood

FEMA maps place 1312 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	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 70 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 78 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 105 claims

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 1312 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.

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 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