6405 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 6405 River Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,864 sqft · built 1947
Lot Size	0.545 acres (23,753 sqft)
Owner	Individual Name on File
Last Sale	$369,900 (May 2026)
Tax Bill	$2,745 (2025)
Deeds & Mortgages	May 2026 Sale Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`21000600740000`

Property Details

APN / Parcel Number

Primary APN	`21000600740000`
Alternative APNs	`000600740000` `00002585`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,864 sqft Finished Area
Basement Area	330 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	23,753 sqft (0.545 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	00002585
Street Address	6405 RIVER RD
City	PROSPECT
State	KY
Zip	40059-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-RESIDEN
Legal Description	0.5453 AC +/- ES RIVER RD (ADJ TAYLOR)
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	4
Census Block	4005
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

6405 River Rd is owned and occupied by an individual who bought it in May 2026.

Source: Louisville/Jefferson County Metro Government records, as of May 14, 2026

Owner of Record	Individual Name on File
Mailing Address	6405 RIVER RD, PROSPECT, KY 40059-9603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Warranty Deed, Transfer ACUITY TITLE
Mar 12, 2020	Warranty Deed, Transfer · FHA Mortgage COMMONWEALTH BK
Jun 19, 2017	Warranty Deed, Transfer AGENCY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2026 · Amount on File
Deed Sale	May 7, 2026 · Amount on File
Prior Sale	Mar 12, 2020 · Amount on File
Deed Document Number	202652269
Deed Book / Page	13320 / 158
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	May 7, 2026
Property Address	6405 RIVER RD, PROSPECT, KY 40059-9603
Document Number	0000052269
Book / Page	13320 / 158
Instrument Date	Apr 30, 2026
Instrument	2026.52269
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	ACUITY TITLE

Transaction

Amount	Amount on Record
Tax	$37,359.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 RIVER RD, PROSPECT, KY 40059-9603

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Mar 12, 2020
Property Address	6405 RIVER RD, PROSPECT, KY 40059-9603
Document Number	0116410651
Book / Page	011641 / 000651
Instrument Date	Mar 6, 2020
Instrument	55124
Transaction Type	Transfer
Record Updated	Apr 17, 2020
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY-FORD TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 RIVER RD PROSPECT KY 400599603, PROSPECT, KY 40059-9603

Mortgage

Document Number	164100509
Date	Mar 12, 2020
Book Page	016410/000509
Instrument	55125

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 11, 2050

Mortgage

Document Number	164100525,
Date	Mar 12, 2020
Book Page	016410/000525
Instrument	55126

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount on Record
Term	120 Months
Due	Mar 11, 2030

Interest

Rate	12%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jun 19, 2017
Property Address	6405 RIVER RD, PROSPECT, KY 40059-9603
Document Number	0109120624
Book / Page	010912 / 000624
Instrument Date	May 26, 2017
Instrument	138349
Transaction Type	Transfer
Record Updated	Aug 23, 2017
Title Company	AGENCY TITLE

Transaction

Amount	Amount on Record
Tax	$201.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 135 HARRODS CREEK KY 400270135, HARRODS CREEK, KY 40027-0135

Tax Assessment & Valuation

The 2025 property tax bill for 6405 River Rd was $2,745.

Source: Louisville/Jefferson County Metro Government assessment roll, as of December 16, 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	$2,745.00	$246,000 Land $50,000 Building $196,000
2024			$246,000 (-) Land $50,000 Building $196,000
2023	$2,848.00 (-0.35%)	$246,000 (-) Land $50,000 Building $196,000	$246,000 (-) Land $50,000 Building $196,000
2022	$2,858.00	$246,000 Land $50,000 Building $196,000	$246,000 Land $50,000 Building $196,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6405 River Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 6405 River Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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