5206 Spring Mist Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 5206 Spring Mist Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	built 2003
Lot Size	0.35 acres (15,272 sqft)
Owner	2 Individual Names on File
Last Sale	$843,000 (Aug 2017)
Tax Bill	$9,883 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21364901280000`

Property Details

APN / Parcel Number

Primary APN	`21364901280000`
Alternative APNs	`364901280000` `91038498`

Exterior

Year Built	Built 2003
Lot Area	15,272 sqft (0.35 acres)

Location & Zoning

Account Number	91038498
Street Address	5206 SPRING MIST CT
City	PROSPECT
State	KY
Zip	40059-7651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 28 SPRING FARM LAKE SUBDIVISION, SEC 3, PB. 55, PG. 21, 0.3506 AC +/-
Legal Subdivision	SPRING FARM LAKE SUBDIVISION
Legal Lot Number	28
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	2
Census Block	2001
Census Tract	10313

Owner

5206 Spring Mist Ct is owned and occupied by two individuals who bought it in August 2017.

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
Mailing Address	5206 SPRING MIST CT, PROSPECT, KY 40059-7651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Jun 30, 2020	Deed of Trust, Mortgage · Line of Credit UNIVERSITY/KY FCU
Aug 2, 2017	Grant Deed, Subdivision Related Transfer · VA Mortgage SIERRA PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2017 · Amount on File
Deed Sale	Aug 2, 2017 · Amount on File
Deed Document Number	0010946592
Deed Book / Page	10946 / 592
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	5206 SPRING MIST CT, PROSPECT, KY 40059-7651
Document Number	0167410794
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	SIGNATURE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5206 SPRING MIST CT PROSPECT KY 400597651, PROSPECT, KY 40059-7651

Mortgage

Document Number	0167410794
Date	Aug 19, 2020
Book Page	016741/000794
Instrument	169913

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 18, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	5206 SPRING MIST CT, PROSPECT, KY 40059-7651
Document Number	0166690721
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5206 SPRING MIST CT PROSPECT KY 400597651, PROSPECT, KY 40059-7651

Mortgage

Document Number	0166690721
Date	Jul 16, 2020
Book Page	016669/000721
Instrument	137640

Lender

Name	UNIVERSITY/KY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509-2279

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 15, 2040

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON KY
Recording Date	Aug 2, 2017
Property Address	5206 SPRING MIST CT, PROSPECT, KY 40059-7651
Document Number	0109460592
Book / Page	010946 / 000592
Instrument Date	Jul 28, 2017
Instrument	171276
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 20, 2018
Title Company	SIGNATURE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$843.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5206 SPRING MIST CT PROSPECT KY 400597651, PROSPECT, KY 40059-7651

Mortgage

Document Number	151620914
Date	Aug 2, 2017
Book Page	015162/000914
Instrument	171277

Lender

Name	SIERRA PACIFIC MTG
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5206 Spring Mist Ct was $9,883 with a homeowner's exemption.

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	$9,883.00 Homeowner's exemption	$934,700 Land $158,400 Building $776,300
2024			$934,700 (-) Land $158,400 Building $776,300
2023	$10,287.00 (+5.1%) Homeowner's exemption	$934,700 (+5.87%) Land $158,400 Building $776,300	$934,700 (+5.87%) Land $158,400 Building $776,300
2022	$9,788.00 Homeowner's exemption	$882,900 Land $158,400 Building $724,500	$882,900 Land $158,400 Building $724,500

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

Flood

FEMA maps place 5206 Spring Mist Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5206 Spring Mist Ct 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: AT&T.

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