1960 Rivers Landing Dr, Prospect, KY 40059 Property Records

Oldham County property record for 1960 Rivers Landing Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Lot Size	0.23 acres (10,062 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Jun 2018)
Tax Bill	$5,525 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Sep 2025 Line of Credit + 4 more
Flood Zone	Zone X (moderate risk)
APN	`01-06A-53-1960`

Property Details

APN / Parcel Number

Primary APN	`01-06A-53-1960`
Alternative APN	`59733`

Exterior

Lot Area	10,062 sqft (0.23 acres)

Location & Zoning

Account Number	59733
Street Address	1960 RIVERS LANDING DR
City	PROSPECT
State	KY
Zip	40059-8073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .231AC
Legal Block	SEC 53
Legal Lot Number	1960
Legal Unit	53
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 December 22, 2025

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2026	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK
Sep 18, 2025	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Feb 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 8, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jun 14, 2018	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018 · Amount on Record
Deed Sale	Jun 14, 2018 · Amount on Record
Prior Sale	Jul 29, 2015 · Amount on Record
Deed Document Number	539925
Deed Book / Page	D1193 / 0317
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Recording Date	Aug 26, 2026
Property Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073
Document Number	0000952459
Book / Page	2758 / 211
Instrument Date	Aug 18, 2026
Instrument	2026952459
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073

Mortgage

Document Number	0000952459,
Date	Aug 26, 2026
Book Page	2758/211
Instrument	2026952459

Lender

Name	STOCK YARDS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073
Transaction Type	Mortgage
Record Updated	Oct 1, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073

Mortgage

Document Number	0M2712/980
Date	Sep 18, 2025
Book Page	M2712/980
Instrument	826793

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073
Transaction Type	Mortgage
Record Updated	Mar 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2491/940
Date	Feb 20, 2021
Book Page	M2491/940
Instrument	621346

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 1, 2041

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073
Transaction Type	Mortgage
Record Updated	May 27, 2019
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2346/0645
Date	May 8, 2019
Book Page	M2346/0645
Instrument	551523

Lender

Name	US BANK NA
Type	Bank
Address	PROSPECT, KY 40059

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073
Transaction Type	Mortgage
Record Updated	Mar 26, 2019
Title Company	WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2338/1001
Date	Mar 8, 2019
Book Page	M2338/1001
Instrument	549417

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10006

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Jun 14, 2018
Property Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073
Document Number	D1193/0317
Book / Page	D1193 / 0317
Map Reference	MB7 PG7
Instrument Date	Jun 11, 2018
Instrument	539925
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	9307 APPLE DRECHARD PL, 9307, CRESTWOOD, KY 40014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1960 RIVERS LANDING DR, PROSPECT, KY 40059-8073

Mortgage

Document Number	539926
Date	Jun 14, 2018
Instrument	539926

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$5,525.00 (-0.4%)	$445,000 (-) Land $20,000 Building $425,000	$445,000 (-) Land $20,000 Building $425,000
2023	$5,547.00	$445,000 Land $20,000 Building $425,000	$445,000 Land $20,000 Building $425,000

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 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 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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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 148 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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