4506 Ruby Ray Ct, Louisville, KY 40299 Property Records

Louisville/Jefferson County Metro Government property record for 4506 Ruby Ray Ct, Louisville, KY 40299

Property Summary

Property Type	Single Family Home
Lot Size	0.391 acres (17,071 sqft)
Owner	Company Name on File
Tax Bill	$10,305 (2025)
Deeds & Mortgages	Oct 2025 Transfer Feb 2021 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`22407000550000`

Property Details

APN / Parcel Number

Primary APN	`22407000550000`
Alternative APNs	`407000550000` `02002615`

Exterior

Lot Area	17,071 sqft (0.391 acres)

Location & Zoning

Account Number	02002615
Street Address	4506 RUBY RAY CT
City	LOUISVILLE
State	KY
Zip	40299-2007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 55 0.3919 AC DOVE POINT ESTATES SEC.2 PB 59 PG 84
Legal Subdivision	DOVE POINT ESTATES
Legal Lot Number	55
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	Company Name on File
Mailing Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Intrafamily Transfer, Transfer
Feb 18, 2021	Deed of Trust, Mortgage · Construction Mortgage WILSON & MUIR BANK & TRUST CO
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 3, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	May 7, 2020 · Amount on File
Last Transfer Date	Oct 22, 2025
Transfer Doc	0000132940
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON KY
Recording Date	Oct 22, 2025
Property Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Document Number	0000132940
Book / Page	D 13184 / 912
Map Reference	MB 59 PG 84
Instrument Date	Oct 22, 2025
Instrument	2025132940
Transaction Type	Transfer
Record Updated	Nov 3, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038802
Date	Feb 18, 2021
Book Page	17164/588
Instrument	2021038802

Lender

Name	WILSON & MUIR BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40207

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 8, 2022

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Transaction Type	Mortgage
Record Updated	Jan 19, 2024
Title Company	ACUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000312125
Date	Dec 14, 2021
Book Page	M 17832/206
Instrument	2021312125

Lender

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

Agreement

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

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007
Transaction Type	Mortgage
Record Updated	Jan 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4506 RUBY RAY CT, LOUISVILLE, KY 40299-2007

Mortgage

Document Number	0000084356
Date	May 3, 2023
Book Page	M 18483/225
Instrument	2023084356

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	May 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$10,305.00 (+0.53%)	$903,240 (-) Land $117,300 Building $785,940
2024	$10,251.00 (+35.49%)	$903,240 (+39.44%) Land $117,300 Building $785,940	$903,240 (+39.44%) Land $117,300 Building $785,940
2023	$7,566.00 (+1.39%)	$647,780 (-) Land $119,900 Building $527,880	$647,780 (-) Land $119,900 Building $527,880
2022	$7,462.00	$647,780 Land $119,900 Building $527,880	$647,780 Land $119,900 Building $527,880

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

Nearby Properties on Ruby Ray Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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