Oldham County property record for 5522 Ruby Falls Dr, Prospect, KY 40059 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 13,164 sqft (0.302 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $775,147 (2024) |
| Tax Bill | $10,168.00 (2025) |
| Primary APN | 11-01A-02-343 |
|---|---|
| Alternative APNs |
|
| Lot Area | 13,164 sqft (0.302 acres) |
|---|
| Account Number | 72798 |
|---|---|
| Street Address | 5522 RUBY FALLS DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8521 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .3022AC |
| Legal Block | SEC 2 |
| Legal Lot Number | 343 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 30704 |
Source: Oldham County records · APN 11-01A-02-343
Assessment roll updated July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5522 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| May 07, 2024 | Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 07, 2024 · Amount on Record |
| Deed Sale | May 07, 2024 · Amount on Record |
| Deed Doc Number | 763118 |
| Deed Book / Page | D1381 / 440 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 5522 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 5522 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0M2694/750 |
|---|---|
| Date | Apr 29, 2025 |
| Book Page | M2694/750 |
| Instrument | 805514 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | May 07, 2024 |
| Property Address | 5522 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0D1381/440 |
| Book / Page | D1381 / 440 |
| Map Reference | MB 8 PG 20 |
| Instrument Date | Apr 29, 2024 |
| Instrument | 763118 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $775.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16218 SHELBYVILLE RD, LOUISVILLE, KY 40245-4248 |
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 5522 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0000763121 |
|---|---|
| Date | May 07, 2024 |
| Instrument | 763121 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2054 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,168.00 (+1,203.59%) | $775,147 (+1,191.91%) Land $80,000 Building $695,147 | $775,147 (+1,191.91%) Land $80,000 Building $695,147 |
| 2023 | $780.00 | $60,000 Land $60,000 | $60,000 Land $60,000 |
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 | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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