205 Iola Rd, Saint Matthews (Louisville), KY 40207 Property Records

Louisville/Jefferson County Metro Government property record for 205 Iola Rd, Saint Matthews, KY 40207

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 1,450 sqft · built 1939
Lot Size	0.1 acres (4,343 sqft)
Owner	Individual Name on File
Last Sale	$295,000 (Nov 2021)
Tax Bill	$3,576 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Apr 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22040200040000`

Property Details

APN / Parcel Number

Primary APN	`22040200040000`
Alternative APNs	`040200040000` `00056815`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	1,450 sqft Finished Area
Basement Area	1,000 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,343 sqft (0.1 acres)
Lot Dimensions	101 ft deep x 43 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00056815
Street Address	205 IOLA RD
City	LOUISVILLE
State	KY
Zip	40207-2915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	43X101 N E S IOLA RD
Legal Subdivision	FAIRLAWN SUBDIVISION
Jurisdiction	JEFFERSON KY
Township / Civil Division	LOUISVILLE EAST
Census Block Group	1
Census Block	1004
Census Tract	7800

Owner

205 Iola Rd is owned and occupied by an individual who bought it in November 2021.

Source: Louisville/Jefferson County Metro Government records, as of May 21, 2026

Owner of Record	Individual Name on File
Mailing Address	205 IOLA RD, LOUISVILLE, KY 40207-2915
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
Nov 6, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 11, 2024	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Nov 3, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2021 · Amount on File
Deed Sale	Nov 3, 2021 · Amount on File
Prior Sale	Mar 31, 2006 · Amount on File
Deed Document Number	2021274700
Deed Book / Page	12186 / 763
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	205 IOLA RD, SAINT MATTHEWS, KY 40207-2915
Transaction Type	Mortgage
Record Updated	Nov 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 IOLA RD, LOUISVILLE, KY 40207-2915

Mortgage

Document Number	0000139743
Date	Nov 6, 2025
Book Page	M 19535/936
Instrument	2025139743

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Nov 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	205 IOLA RD, SAINT MATTHEWS, KY 40207-2915
Transaction Type	Mortgage
Record Updated	Apr 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 IOLA RD, LOUISVILLE, KY 40207-2915

Mortgage

Document Number	0000058086
Date	Apr 11, 2024
Book Page	M 18833/253
Instrument	2024058086

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Apr 15, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Nov 3, 2021
Property Address	205 IOLA RD, SAINT MATTHEWS, KY 40207-2915
Document Number	0000274700
Book / Page	D 12186 / 763
Instrument Date	Nov 2, 2021
Instrument	2021274700
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 IOLA RD, LOUISVILLE, KY 40207-2915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 LOLA ROAD, LOUISVILLE, KY 40207

Mortgage

Document Number	0000274701
Date	Nov 3, 2021
Book Page	M 17755/897
Instrument	2021274701

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 205 Iola Rd was $3,576.

Source: Louisville/Jefferson County Metro Government assessment roll, as of December 16, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Consolidated City	Louisville/Jefferson County Metro Government
Municipality	St. Matthews City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,576.00	$317,670 Land $63,000 Building $254,670
2024			$317,670 (+7.68%) Land $63,000 Building $254,670
2023	$3,386.00 (-0.35%) Homeowner's exemption	$295,000 (-) Land $49,500 Building $245,500	$295,000 (-) Land $49,500 Building $245,500
2022	$3,398.00 Homeowner's exemption	$295,000 Land $49,500 Building $245,500	$295,000 Land $49,500 Building $245,500

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

Flood

FEMA maps place 205 Iola Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	2 in force

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

The area around 205 Iola Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 743 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BluegrassNet.

Nearby Properties on Iola Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures