1804 Rivers Landing Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1804 Rivers Landing Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2,317 sqft
Lot Size	0.294 acres (12,807 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Apr 2026)
Tax Bill	$5,105 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`01-06A-03-1804`

Property Details

APN / Parcel Number

Primary APN	`01-06A-03-1804`
Alternative APN	`58401`

Interior

Building Area	2,317 sqft Living Area

Exterior

Lot Area	12,807 sqft (0.294 acres)

Location & Zoning

Account Number	58401
Street Address	1804 RIVERS LANDING DR
City	PROSPECT
State	KY
Zip	40059-8071
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .294AC
Legal Subdivision	RIVERS LANDING
Legal Block	SEC 3
Legal Lot Number	1804
Legal Unit	3
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	3
Census Block	3021
Census Tract	30802

Owner

Source: Oldham County records, as of April 24, 2026

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	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Jun 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL CU
Apr 26, 2018	Deed of Trust, Mortgage · Line of Credit CENTRA CU
Nov 18, 2020	Deed of Trust, Mortgage · Line of Credit CENTRA CU
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRA CU
Jul 3, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRA CU
Nov 3, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTRA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Nov 3, 2017 · Amount on Record
Deed Document Number	2026857586
Deed Book / Page	1438 / 248
Record Updated	Jun 8, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Apr 13, 2026
Property Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Document Number	0000857586
Book / Page	1438 / 248
Instrument Date	Apr 10, 2026
Instrument	2026.857586
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	AGENCY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,650.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071

Mortgage

Document Number	0000857586,
Date	Apr 13, 2026
Book Page	2739/436
Instrument	2026.857586

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.44%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	EASY TITLE COMPANY LLC, LEGACY TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2521/372
Date	Jun 7, 2021
Book Page	M2521/372
Instrument	640106

Lender

Name	CENTRAL CU
Type	Credit Union
Address	COLUMBUS, IN 47202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2302/0675
Date	Apr 26, 2018
Book Page	M2302/0675
Instrument	538103

Lender

Name	CENTRA CU
Type	Credit Union
Address	COLUMBUS, IN 47202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 25, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2467/666
Date	Nov 18, 2020
Book Page	M2467/666
Instrument	606395

Lender

Name	CENTRA CU
Type	Credit Union
Address	COLUMBUS, IN 47201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 17, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	LEGACY TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2421/905
Date	Jun 16, 2020
Book Page	M2421/905
Instrument	578364

Lender

Name	CENTRA CU
Type	Credit Union
Address	COLUMBUS, IN 47202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Transaction Type	Mortgage
Record Updated	Jul 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2354/0946
Date	Jul 3, 2019
Book Page	M2354/0946
Instrument	553807

Lender

Name	CENTRA CU
Type	Credit Union
Address	COLUMBUS, IN 47201

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 12, 2024

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Nov 3, 2017
Property Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071
Document Number	D1176/285
Book / Page	D1176 / 285
Map Reference	MB7 PG7
Instrument Date	Oct 31, 2017
Instrument	532216
Transaction Type	Subdivision Related 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	16218 SHELBYVILLE RD, 16218, LOUISVILLE, KY 40245-4248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 RIVERS LANDING DR, PROSPECT, KY 40059-8071

Mortgage

Document Number	532217
Date	Nov 3, 2017
Instrument	532217

Lender

Name	CENTRA CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 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	$5,105.00 (-1.07%) Homeowner's exemption	$460,000 (-) Land $20,000 Building $440,000	$460,000 (-) Land $20,000 Building $440,000
2023	$5,160.00 Homeowner's exemption	$460,000 Land $20,000 Building $440,000	$460,000 Land $20,000 Building $440,000

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	214 (1978–2026)
Claims Outside the SFHA	19 of 214
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 48 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 11 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 57 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 95% of the US · lower than 95% 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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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