Oldham County property record for 5509 Ruby Falls Dr, Prospect, KY 40059 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 16,553 sqft (0.38 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $781,220 (2024) |
| Tax Bill | $10,248.00 (2025) |
| Primary APN | 11-01A-02-357 |
|---|---|
| Alternative APNs |
|
| Lot Area | 16,553 sqft (0.38 acres) |
|---|
| Account Number | 72884 |
|---|---|
| Street Address | 5509 RUBY FALLS DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8521 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 0.38 AC |
| Legal Subdivision | SANCTUARY FALLS |
| Legal Block | SEC 2 |
| Legal Lot Number | 357 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 30704 |
Source: Oldham County records · APN 11-01A-02-357
Assessment roll updated December 23, 2025 · Last verified July 2026
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 File |
|---|---|
| Mailing Address | 5509 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage TRANSWEST CREDIT UNION |
| May 22, 2024 | Warranty Deed, Transfer · Conventional Mortgage VANDERBILT MORTGAGE & FINANCE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 22, 2024 · Amount on Record |
| Deed Sale | May 22, 2024 · Amount on Record |
| Deed Doc Number | 2024764825 |
| Deed Book / Page | 1382 / 508 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jun 12, 2026 |
| Property Address | 5509 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0000867499 |
| Book / Page | 2747 / 974 |
| Instrument Date | Jun 05, 2026 |
| Instrument | 2026867499 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5509 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0000867499, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 2747/974 |
| Instrument | 2026867499 |
| Name | TRANSWEST CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.72% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | May 22, 2024 |
| Property Address | 5509 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0D1382/508 |
| Book / Page | D1382 / 508 |
| Map Reference | MB 8 PG 20 |
| Instrument Date | May 17, 2024 |
| Instrument | 764825 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $781.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16218 SHELBYVILLE RD, LOUISVILLE, KY 40245-4248 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 5509 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0000764828 |
|---|---|
| Date | May 22, 2024 |
| Instrument | 764828 |
| Name | VANDERBILT MORTGAGE & FINANCE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2054 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,248.00 | $781,220 Land $80,000 Building $701,220 | $781,220 Land $80,000 Building $701,220 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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