1908 Landing Rd, Prospect, KY 40059 Property Records

Oldham County property record for 1908 Landing Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,092 sqft · built 1978
Lot Size	0.569 acres (24,829 sqft)
Owner	Individual Name on File
Last Sale	$470,000 (Jul 2025)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Jul 2025 Sale & Line of Credit May 2017 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`04-02B-06-186`

Property Details

APN / Parcel Number

Primary APN	`04-02B-06-186`
Alternative APNs	`56805` `75228`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,092 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.569 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	75228
Street Address	1908 LANDING RD
City	PROSPECT
State	KY
Zip	40059-9036
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .570AC
Legal Block	SEC 6
Legal Lot Number	186
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	3
Census Block	3021
Census Tract	30802

Owner

1908 Landing Rd is owned and occupied by an individual who bought it in July 2025.

Source: Oldham County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1908 LANDING RD, PROSPECT, KY 40059-9036
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2025	Warranty Deed, Transfer · Line of Credit NORTHPOINTE BANK
May 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage CENTURY LENDING CO
Jan 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2017	Warranty Deed, Transfer · FHA Mortgage CENTURY LENDING CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2025 · Amount on File
Deed Sale	Jul 28, 2025 · Amount on File
Prior Sale	Mar 2, 2017 · Amount on File
Deed Document Number	818539
Deed Book / Page	D1417 / 103
Record Updated	Jun 8, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Jul 28, 2025
Property Address	1908 LANDING RD, PROSPECT, KY 40059-9036
Document Number	0D1417/103
Book / Page	D1417 / 103
Map Reference	MB 3 PG 127
Instrument Date	Jul 25, 2025
Instrument	818539
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	AGENTS TITLE INC, AGENCY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2108 TYLER LN, LOUISVILLE, KY 40205-2924

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1908 LANDING RD, PROSPECT, KY 40059-9036

Mortgage

Document Number	0000818542
Date	Jul 28, 2025
Instrument	818542

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1908 LANDING RD, PROSPECT, KY 40059-9036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EXECUTIVE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2260/638
Date	May 24, 2017
Book Page	M2260/638
Instrument	525249

Lender

Name	CENTURY LENDING CO
Type	Lending Institution
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1908 LANDING RD, PROSPECT, KY 40059-9036
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	FREIBERT & MATTINGLY TTL GRO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2386/0985
Date	Jan 8, 2020
Book Page	M2386/0985
Instrument	561943

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Mar 2, 2017
Property Address	1908 LANDING RD, PROSPECT, KY 40059-9036
Document Number	D1155/251
Book / Page	D1155 / 251
Map Reference	MB3 PG127
Instrument Date	Feb 24, 2017
Instrument	521795
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	EXECUTIVE TITLE COMPANY

Transaction

Amount	Amount on Record
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	1908 LANDING RD, 1908, PROSPECT, KY 40059-9036

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 LANDING RD, PROSPECT, KY 40059-9036

Mortgage

Document Number	521796
Date	Mar 2, 2017
Instrument	521796

Lender

Name	CENTURY LENDING CO
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1908 Landing Rd was $4,356.

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	$4,356.00	$350,000 Land $50,000 Building $300,000	$350,000 Land $50,000 Building $300,000
2023	$3,768.00	$301,000 Land $40,000 Building $261,000	$301,000 Land $40,000 Building $261,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1908 Landing Rd in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 1908 Landing Rd is low, with a 0.01% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 163 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

Cell Coverage

5G and 4G LTE (outdoors only)

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