1516 Riverside Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1516 Riverside Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 945 sqft · built 1965
Lot Size	0.172 acres (7,497 sqft)
Owner	Individual Name on File
Tax Bill	$4,110 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2017 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-01A-00-7`

Property Details

APN / Parcel Number

Primary APN	`01-01A-00-7`
Alternative APN	`25671`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	945 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Exterior Material	Concrete Block
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	7,497 sqft (0.172 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	25671
Street Address	1516 RIVERSIDE DR
City	PROSPECT
State	KY
Zip	40059-9065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .1721AC
Legal Lot Number	7
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1000
Census Tract	30801

Owner

1516 Riverside Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1516 RIVERSIDE DR, PROSPECT, KY 40059-9065
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

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC
Aug 21, 2017	Deed of Trust, Mortgage TIFFANY GOLDSMITH
Feb 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROUNDPOINT MORTGAGE SERVICING CORP
Jul 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage CENTURY LENDING CO

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	754-001
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1516 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Mar 2, 2022
Title Company	YOUR LAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2572/709
Date	Feb 22, 2022
Book Page	M2572/709
Instrument	678716

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1516 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2273/789
Date	Aug 21, 2017
Book Page	M2273/789
Instrument	529123

Lender

Name	TIFFANY GOLDSMITH
Type	Private Party
Address	20200 W DIXIE HWY STE 607, AVENTURA, FL 33180

Agreement

Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1516 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2394/465
Date	Feb 27, 2020
Book Page	M2394/465
Instrument	564535

Lender

Name	ROUNDPOINT MORTGAGE SERVICING CORP
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1516 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	EXECUTIVE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2357/0896
Date	Jul 24, 2019
Book Page	M2357/0896
Instrument	554611

Lender

Name	CENTURY LENDING CO
Type	Lending Institution
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1516 Riverside Dr was $4,110.

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	$4,110.00	$330,000 Land $100,000 Building $230,000	$330,000 Land $100,000 Building $230,000
2023	$3,509.00	$280,000 Land $100,000 Building $180,000	$280,000 Land $100,000 Building $180,000

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

Flood

FEMA maps place 1516 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 1516 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 55 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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