1522 Riverside Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1522 Riverside Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 576 sqft · built 1965
Lot Size	0.207 acres (9,060 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,367 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-01A-00-4`

Property Details

APN / Parcel Number

Primary APN	`01-01A-00-4`
Alternative APN	`10899`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	576 sqft Living Area

Exterior

Year Built	Built 1965
Exterior Material	Concrete Block
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,060 sqft (0.207 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	10899
Street Address	1522 RIVERSIDE DR
City	PROSPECT
State	KY
Zip	40059-9065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .208AC
Legal Lot Number	4
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1000
Census Tract	30801

Owner

Source: Oldham County records, as of December 22, 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	PO BOX 327, PROSPECT, KY 40059-0327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2021	Deed of Trust, Mortgage · Land Contract CITIZENS UNION BANK OF SHELBYVILLE
Mar 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage OLD NATIONAL BANK
May 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS UNION BANK OF SHELBYVILLE
Jun 11, 2019	Deed of Trust, Mortgage · Construction Mortgage CITIZENS UNION BANK

Assessor's Deed Record

Deed Names	Name on Deed
Deed Document Number	536-171
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1522 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Mar 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2499/635
Date	Mar 11, 2021
Book Page	M2499/635
Instrument	625597

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1522 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2296/776
Date	Mar 1, 2018
Book Page	M2296/776
Instrument	536171

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	EVANSVILLE, IN 47705

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1522 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2410/522
Date	May 5, 2020
Book Page	M2410/522
Instrument	572036

Lender

Name	CITIZENS UNION BANK OF SHELBYVILLE
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1522 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Jul 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2350/0993
Date	Jun 11, 2019
Book Page	M2350/0993
Instrument	552824

Lender

Name	CITIZENS UNION BANK
Type	Bank
Address	SHELBYVILLE, KY 40065

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	May 24, 2020

Tax Assessment & Valuation

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	$4,367.00 (-12.5%) Homeowner's exemption	$400,000 (-) Land $100,000 Building $300,000	$400,000 (-) Land $100,000 Building $300,000
2023	$4,991.00	$400,000 Land $100,000 Building $300,000	$400,000 Land $100,000 Building $300,000

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 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	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

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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