1706 Riverside Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1706 Riverside Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1972
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Oct 2026)
Tax Bill	$2,080 (2025)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Oct 2026 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`01-01B-01-21`

Property Details

APN / Parcel Number

Primary APN	`01-01B-01-21`
Alternative APNs	`68438` `69581`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,050 sqft Living Area

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Tar & Gravel
Lot Area	9,148 sqft (0.21 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	69581
Street Address	1706 RIVERSIDE DR
City	PROSPECT
State	KY
Zip	40059-9067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE &( 50' RIVER LOT)
Legal Subdivision	OLDHAM ACRES
Legal Block	SEC 1
Legal Lot Number	21
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 October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	133 N PETERSON AVE, LOUISVILLE, KY 40206-2303
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Oct 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Mar 30, 2023	Deed of Trust, Mortgage · Construction Mortgage UNITED CITIZENS BANK &TRUST CO
Sep 9, 2022	Warranty Deed, Transfer · Commercial Mortgage GOLDEN EMPIRE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2026 · Amount on Record
Deed Sale	Oct 6, 2026 · Amount on Record
Deed Document Number	2026959045
Deed Book / Page	1455 / 262
Record Updated	Oct 29, 2026

October 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Oct 6, 2026
Property Address	1706 RIVERSIDE DR, PROSPECT, KY 40059-9067
Document Number	0000959045
Book / Page	1455 / 262
Instrument Date	Oct 2, 2026
Instrument	2026959045
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	LIMESTONE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27,775.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 N PETERSON AVE, LOUISVILLE, KY 40206-2303

Mortgage

Document Number	0000959045,
Date	Oct 6, 2026
Book Page	2763/673
Instrument	2026959045

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Recording Date	Oct 6, 2026
Property Address	1706 RIVERSIDE DR, PROSPECT, KY 40059-9067
Document Number	0000959048
Book / Page	2763 / 673
Instrument Date	Oct 2, 2026
Instrument	2026959048
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	LIMESTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 N PETERSON AVE, LOUISVILLE, KY 40206-2303

Mortgage

Document Number	0000959048,
Date	Oct 6, 2026
Book Page	2763/673
Instrument	2026959048

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1706 RIVERSIDE DR, PROSPECT, KY 40059-9067
Transaction Type	Mortgage
Record Updated	Jun 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0M2620/401
Date	Mar 30, 2023
Book Page	M2620/401
Instrument	724555

Lender

Name	UNITED CITIZENS BANK &TRUST CO
Type	Bank
Address	CAMPBELLSBURG, KY 40011

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 28, 2043

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Sep 9, 2022
Property Address	1706 RIVERSIDE DR, PROSPECT, KY 40059-9067
Document Number	00D1339/15
Book / Page	D1339 / 15
Map Reference	MB 66 PG 626&627
Instrument Date	Sep 9, 2022
Instrument	705604
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
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	PO BOX 466, FLOYDS KNOBS, IN 47119-0466

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8703 CHELMER LN, LOUISVILLE, KY 40220-4104

Mortgage

Document Number	0000705606
Date	Sep 9, 2022
Instrument	705606

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 9, 2023

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	$2,080.00 (-0.38%)	$165,000 (-) Land $75,000 Building $90,000	$165,000 (-) Land $75,000 Building $90,000
2023	$2,088.00	$165,000 Land $75,000 Building $90,000	$165,000 Land $75,000 Building $90,000

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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 and 4G LTE (outdoors only)

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