1722 Riverside Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1722 Riverside Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Last Sale	$385,000 (Jul 2015)
Tax Bill	$6,386 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`01-01B-01-13,50&51`

Property Details

APN / Parcel Number

Primary APN	`01-01B-01-13,50&51`
Alternative APN	`53268`

Location & Zoning

Account Number	53268
Street Address	1722 RIVERSIDE DR
City	PROSPECT
State	KY
Zip	40059-9067
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, GARAGE & LOTS
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	Individual Name on Record
Mailing Address	1722 RIVERSIDE DR, PROSPECT, KY 40059-9067
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Line of Credit CENTRAL BANK & TRUST CO
Oct 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE WAREHOUSE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2015 · Amount on Record
Deed Sale	Jul 17, 2015 · Amount on Record
Prior Sale	Jan 7, 2005 · Amount on Record
Deed Document Number	497296
Deed Book / Page	D1111 / 513
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1722 RIVERSIDE DR, PROSPECT, KY 40059-9067
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1722 RIVERSIDE DR, PROSPECT, KY 40059-9067

Mortgage

Document Number	000M2596/8
Date	Aug 2, 2022
Book Page	M2596/8
Instrument	700838

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1722 RIVERSIDE DR, PROSPECT, KY 40059-9067
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	PREMIUM TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2374/0489
Date	Oct 22, 2019
Book Page	M2374/0489
Instrument	558852

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company
Address	SANTA ANA, CA 92707

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1722 RIVERSIDE DR, PROSPECT, KY 40059-9067
Transaction Type	Mortgage
Record Updated	Aug 10, 2022
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY FORD TITLE SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2542/758
Date	Sep 9, 2021
Book Page	M2542/758
Instrument	654667

Lender

Name	THE MORTGAGE WAREHOUSE
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

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	$6,386.00 (-0.41%)	$515,000 (-) Land $115,000 Building $400,000	$515,000 (-) Land $115,000 Building $400,000
2023	$6,412.00	$515,000 Land $115,000 Building $400,000	$515,000 Land $115,000 Building $400,000

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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