1526 Riverside Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1526 Riverside Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,100 sqft · built 1975
Lot Size	0.213 acres (9,307 sqft)
Owner	Company Name on Record
Last Sale	$285,600 (May 2025)
Tax Bill	$3,987 (2025)
Deeds & Mortgages	Jun 2022 Construction Loan May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-01A-00-2`

Property Details

APN / Parcel Number

Primary APN	`01-01A-00-2`
Alternative APNs	`61874` `74866`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,100 sqft Living Area
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	9,307 sqft (0.213 acres)
Driveway	Gravel Driveway

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Propane
Sewer	Connected

Location & Zoning

Account Number	74866
Street Address	1526 RIVERSIDE DR
City	PROSPECT
State	KY
Zip	40059-9065
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & (50' RIVER FRONTAGE)
Legal Subdivision	HARMONY VILLAGE
Legal Lot Number	2
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 July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	999 NW GRAND BLVD, OKLAHOMA CITY, OK 73118-6051
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Construction Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 28, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Sep 27, 2017	Warranty Deed, Transfer · Conventional Mortgage SW MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2025 · Amount on Record
Deed Sale	May 29, 2025 · Amount on Record
Prior Sale	May 28, 2019 · Amount on Record
Deed Document Number	2025809460
Deed Book / Page	1411 / 285
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1526 RIVERSIDE DR, PROSPECT, KY 40059-9065
Transaction Type	Mortgage
Record Updated	Jun 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1526 RIVERSIDE DR, PROSPECT, KY 40059-9065

Mortgage

Document Number	0M2587/853
Date	Jun 3, 2022
Book Page	M2587/853
Instrument	693045

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Apr 1, 2052

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	May 28, 2019
Property Address	1526 RIVERSIDE DR, PROSPECT, KY 40059-9065
Document Number	D1217/0518
Book / Page	D1217 / 0518
Map Reference	MB 1 PG 74
Instrument Date	May 24, 2019
Instrument	552182
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Amount	Amount Recorded
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	1526 RIVERSIDE DR, 1526, PROSPECT, KY 40059-9065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1526 RIVERSIDE DR, PROSPECT, KY 40059-9065

Mortgage

Document Number	552183
Date	May 28, 2019
Instrument	552183

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Sep 27, 2017
Property Address	1526 RIVERSIDE DR, PROSPECT, KY 40059-9065
Document Number	D1173/001
Book / Page	D1173 / 001
Map Reference	MB1 PG74
Instrument Date	Sep 22, 2017
Instrument	530634
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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	2609 BALLANTRAE CIR, 2609, LOUISVILLE, KY 40242-4068

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1201, FREDERICK, MD 21702-0201

Mortgage

Document Number	530635
Date	Sep 27, 2017
Instrument	530635

Lender

Name	SW MORTGAGE GROUP LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of December 23, 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	$3,987.00 (+9.96%)	$320,000 (+10.54%) Land $90,000 Building $230,000	$320,000 (+10.54%) Land $90,000 Building $230,000
2023	$3,626.00	$289,500 Land $75,000 Building $214,500	$289,500 Land $75,000 Building $214,500

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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