Oldham County property record for 1402 Riverside Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,700 sqft · built 1998 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,900 (Apr 2021) |
| Tax Bill | $4,540 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 01-01A-00-25 |
| Primary APN | 01-01A-00-25 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,700 sqft Living Area |
| Basement Area | 1,350 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Width | 50 ft Width |
| Garage Type | Basement |
| Garage Area | 284 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 66353 |
|---|---|
| Street Address | 1402 RIVERSIDE DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9064 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .2296AC ( 50' RIVER FRONT) |
| Legal Subdivision | HARMONY VILLAGE |
| Legal Lot Number | 25 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 30801 |
Source: Oldham County assessment roll, as of December 23, 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 File |
|---|---|
| Mailing Address | 1402 RIVERSIDE DR, PROSPECT, KY 40059-9064 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2026 | Deed of Trust, Mortgage · SBA Mortgage U S SMALL BUSINESS ADMINI |
| Apr 23, 2021 | Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 23, 2021 · Amount on Record |
| Deed Sale | Apr 23, 2021 · Amount on Record |
| Deed Document Number | 2021632999 |
| Deed Book / Page | 1286 / 185 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 8, 2026 |
| Property Address | 1402 RIVERSIDE DR, PROSPECT, KY 40059-9064 |
| Document Number | 0000856795 |
| Book / Page | 2738 / 779 |
| Instrument Date | Mar 17, 2026 |
| Instrument | 2026856795 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1402 RIVERSIDE DR, PROSPECT, KY 40059-9064 |
| Investor | Possibly a Property Investor |
| Document Number | 0000856795, |
|---|---|
| Date | Apr 8, 2026 |
| Book Page | 2738/779 |
| Instrument | 2026856795 |
| Name | U S SMALL BUSINESS ADMINI |
|---|
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2056 |
| Rate | 6.01% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 23, 2021 |
| Property Address | 1402 RIVERSIDE DR, PROSPECT, KY 40059-9064 |
| Document Number | D1286/185 |
| Book / Page | D1286 / 185 |
| Instrument Date | Apr 19, 2021 |
| Instrument | 632999 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5100 US HIGHWAY 42826, 5100, LOUISVILLE, KY 40241 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1402 RIVERSIDE DR, PROSPECT, KY 40059-9064 |
| Document Number | 633000 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 633000 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
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 | $4,540.00 (+3.82%) | $365,000 (+4.29%) Land $100,000 Building $265,000 | $365,000 (+4.29%) Land $100,000 Building $265,000 |
| 2023 | $4,373.00 | $350,000 Land $100,000 Building $250,000 | $350,000 Land $100,000 Building $250,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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 |
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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