4504 Ruby Ray Ct, Louisville, KY 40299 Property Records

Louisville/Jefferson County Metro Government property record for 4504 Ruby Ray Ct, Louisville, KY 40299

Property Summary

Property Type	Single Family Home
Lot Size	0.378 acres (16,496 sqft)
Owner	2 Individual Names on File
Last Sale	$119,900 (Jun 2020)
Tax Bill	$10,541 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22407000560000`

Property Details

APN / Parcel Number

Primary APN	`22407000560000`
Alternative APNs	`407000560000` `02002616`

Exterior

Lot Area	16,496 sqft (0.378 acres)

Location & Zoning

Account Number	02002616
Street Address	4504 RUBY RAY CT
City	LOUISVILLE
State	KY
Zip	40299-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 56 DOVE POINT ESTATES SEC.2 PB 59 PG 84, 0.3787 AC+/-
Legal Subdivision	DOVE POINT ESTATES
Legal Lot Number	56
Jurisdiction	JEFFERSON KY
Township / Civil Division	SOUTHEAST JEFFERSON
Census Block Group	3
Census Block	3007
Census Tract	11520

Owner

Source: Louisville/Jefferson County Metro Government records, as of December 15, 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	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	4504 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Deed of Trust, Mortgage · Closed-End Mortgage RIVER CITY BANK INC
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage RIVER CITY BANK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2020 · Amount on File
Deed Sale	Jun 11, 2020 · Amount on File
Deed Document Number	0011707216
Deed Book / Page	11707 / 216
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	4504 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY FORD TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4504 RUBY RAY CT, LOUISVILLE, KY 40299-2007

Mortgage

Document Number	0000322479
Date	Dec 28, 2021
Book Page	M 17857/18
Instrument	2021322479

Lender

Name	RIVER CITY BANK INC
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 15, 2036

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	4504 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016902
Date	Jan 21, 2022
Book Page	M 17896/644
Instrument	2022016902

Lender

Name	RIVER CITY BANK INC
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,541.00 (+26.71%)	$923,900 (+29.71%) Land $117,300 Building $806,600
2024			$923,900 (+29.71%) Land $117,300 Building $806,600
2023	$8,319.00 (+1.39%)	$712,270 (-) Land $119,900 Building $592,370	$712,270 (-) Land $119,900 Building $592,370
2022	$8,205.00	$712,270 Land $119,900 Building $592,370	$712,270 Land $119,900 Building $592,370

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 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	1 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

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 151 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BluegrassNet.

Cell Coverage

5G (outdoors only) and 4G LTE

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