5528 Ruby Falls Dr, Prospect, KY 40059 Property Records

Oldham County property record for 5528 Ruby Falls Dr, Prospect, KY 40059 · Last verified January 2026

Property Highlights

Property Type	Residential > Single Family > Home
Lot Size	15,255 sqft (0.35 acres)
Occupancy	Owner Occupied
Last Sale	$774,984 (2024)
Tax Bill	$10,166.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`11-01A-02-346`
Alternative APNs	`70024` `73819`

Exterior

Lot Area	15,255 sqft (0.35 acres)

Location & Zoning

Account Number	73819
Street Address	5528 RUBY FALLS DR
City	PROSPECT
State	KY
Zip	40059-8521
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HOUSE & .3502 AC
Legal Block	SEC 2
Legal Lot Number	346
Jurisdiction	OLDHAM KY
Minor Civil Division	PEWEE VALLEY
Census Blockgroup	1
Census Block	1017
Census Tract	30704

Owner

Source: Oldham County records · APN 11-01A-02-346

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	5528 RUBY FALLS DR, PROSPECT, KY 40059-8521
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 01, 2024 · Amount on Record
Deed Sale	Nov 01, 2024 · Amount on Record
Deed Doc Number	785891
Deed Book / Page	D1396 / 53
Record Refreshed	Jun 08, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Nov 01, 2024
Property Address	5528 RUBY FALLS DR, PROSPECT, KY 40059-8521
Document Number	00D1396/53
Book / Page	D1396 / 53
Map Reference	MB 8 PG 20
Instrument Date	Oct 31, 2024
Instrument	785891
Transaction Type	Transfer
Record Updated	Dec 23, 2025
Title Company	MILLENNIAL TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$775.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16218 SHELBYVILLE RD, LOUISVILLE, KY 40245-4248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5528 RUBY FALLS DR, PROSPECT, KY 40059-8521

Mortgage

Document Number	0000785896
Date	Nov 01, 2024
Instrument	785896

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2054

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

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	$10,166.00	$774,984 Land $135,047 Building $639,937	$774,984 Land $135,047 Building $639,937

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.