Oldham County property record for 5525 Ruby Falls Dr, Prospect, KY 40059 · Last verified June 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 13,364 sqft (0.307 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $865,791 (2024) |
| Tax Bill | $11,302.00 (2025) |
| Primary APN | 11-01A-02-349 |
|---|---|
| Alternative APNs |
|
| Lot Area | 13,364 sqft (0.307 acres) |
|---|
| Account Number | 73698 |
|---|---|
| Street Address | 5525 RUBY FALLS DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-8521 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | .3068 AC |
| Legal Subdivision | SANCTUARY FALLS |
| Legal Block | SEC 2 |
| Legal Lot Number | 349 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 30704 |
Source: Oldham County records · APN 11-01A-02-349
Assessment roll updated December 23, 2025 · Last verified June 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 | 5525 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 27, 2026 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK |
| Oct 11, 2024 | Warranty Deed, Transfer · Conventional Mortgage L&N FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 11, 2024 · Amount on Record |
| Deed Sale | Oct 11, 2024 · Amount on Record |
| Deed Doc Number | 2024783119 |
| Deed Book / Page | 1394 / 204 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jul 27, 2026 |
| Property Address | 5525 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0000911802 |
| Book / Page | 1448 / 502 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 2026911802 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2026 |
| Title Company | MINNESOTA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90,900.00 |
| Amount Accuracy | Calculated from Tax (Full/Partial Unknown) |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5525 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0000911805, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 2026911805 |
| Name | NORTHPOINTE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 11, 2024 |
| Property Address | 5525 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0D1394/204 |
| Book / Page | D1394 / 204 |
| Map Reference | MB 8 PG 20 |
| Instrument Date | Oct 11, 2024 |
| Instrument | 783119 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $866.00 |
| 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 | 5525 RUBY FALLS DR, PROSPECT, KY 40059-8521 |
| Document Number | 0000783122 |
|---|---|
| Date | Oct 11, 2024 |
| Instrument | 783122 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Type Change Date | Nov 01, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 6.25% |
| Max Rate At Change | 8.25% |
| Index | SOFR Average 30-Day |
| Max Rate | 12.2% |
| Document Number | 0M2675/112 |
|---|---|
| Date | Oct 11, 2024 |
| Book Page | M2675/112 |
| Instrument | 783149 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 10, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified June 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 | $11,302.00 | $865,791 Land $135,047 Building $730,744 | $865,791 Land $135,047 Building $730,744 |
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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