5509 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 5509 River Rd, Prospect, KY 40059

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.464 acres (20,216 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Aug 2022)
Tax Bill	$390 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Dec 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`21020700260000`

Property Details

APN / Parcel Number

Primary APN	`21020700260000`
Alternative APNs	`020700260000` `00003439`

Exterior

Lot Area	20,216 sqft (0.464 acres)

Location & Zoning

Account Number	00003439
Street Address	5509 RIVER RD
City	PROSPECT
State	KY
Zip	40059-9695
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 62 JUNIPER BEACH PB 5 PG 96 0.4641 AC
Legal Subdivision	JUNIPER BEACH
Legal Lot Number	62
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	4
Census Block	4009
Census Tract	7502

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Country Estates of River Road listed 1999 · 61 contributing resources · NRIS 99000495

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Louisville/Jefferson County Metro Government records, as of December 15, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	5505 RIVER RD, PROSPECT, KY 40059-9695
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Deed, Transfer · Conventional Mortgage COMMUNITY FIRST NATIONAL BANK
Dec 10, 2021	Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 10, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Jan 10, 2022
Deed Document Number	0012443778
Deed Book / Page	12443 / 778
Record Updated	Jun 8, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Aug 30, 2022
Property Address	5509 RIVER RD, PROSPECT, KY 40059-9695
Document Number	0000201042
Book / Page	D 12443 / 778
Map Reference	MB 5 PG 96
Instrument Date	Aug 29, 2022
Instrument	2022201042
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5505 RIVER RD, PROSPECT, KY 40059-9695

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5505 RIVER RD, PROSPECT, KY 40059-9695

Mortgage

Document Number	0000201043
Date	Aug 30, 2022
Instrument	2022201043

Lender

Name	COMMUNITY FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Mar 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	Other
Max Rate	8.5%

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Dec 10, 2021
Property Address	5509 RIVER RD, PROSPECT, KY 40059-9695
Document Number	0000310046
Book / Page	D 12219 / 393
Map Reference	MB 5 PG 96
Instrument Date	Dec 9, 2021
Instrument	2021310046
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5505 RIVER RD, PROSPECT, KY 40059-9695

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	5505 RIVER RD, PROSPECT, KY 40059-9695

Mortgage

Document Number	0000310047
Date	Dec 10, 2021
Instrument	2021310047

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jan 10, 2022
Property Address	5509 RIVER RD, PROSPECT, KY 40059-9695
Document Number	0000006664
Book / Page	D 12245 / 788
Map Reference	MB 5 PG 96
Instrument Date	Jan 5, 2021
Instrument	2022006664
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 W MAIN ST # ST512, ST512, FRANKFORT, KY 40601-1895

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 W MAIN ST STE 512, 512, FRANKFORT, KY 40601-1840

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	$390.00 (-3.7%)	$35,000 (-) Land $35,000
2024			$35,000 (-) Land $35,000
2023	$405.00 (-0.25%)	$35,000 (-) Land $35,000	$35,000 (-) Land $35,000
2022	$406.00	$35,000 Land $35,000	$35,000 Land $35,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 50 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	205 units insured incl. 155 condo units
Nearby Flood Claims	386 (1978–2025)
Claims Outside the SFHA	44 of 386
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 56 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 30 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 44 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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: BluegrassNet.

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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