6410 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 6410 River Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,793 sqft · built 1988
Lot Size	1.36 acres (59,634 sqft)
Owner	Individual Name on Record
Last Sale	$600,000 (Nov 2024)
Tax Bill	$6,148 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`21W00701630000`

Property Details

APN / Parcel Number

Primary APN	`21W00701630000`
Alternative APNs	`W00701630000` `00002448`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,793 sqft Finished Area
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	59,634 sqft (1.36 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Pool Area	450 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00002448
Street Address	6410 RIVER RD
City	PROSPECT
State	KY
Zip	40059-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	TRACT B MINOR PLAT DB 5700 X 208, 1.369 AC+/-
Legal Subdivision	B
Legal Tract	B
Legal Lot Number	163
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	4
Census Block	4006
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

Source: Louisville/Jefferson County Metro Government records, as of December 15, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	6410 RIVER RD, PROSPECT, KY 40059-9603
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST SAVINGS BANK
Dec 5, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BK NATL ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2024 · Amount on Record
Deed Sale	Nov 27, 2024 · Amount on Record
Prior Sale	Jun 3, 2019 · Amount on Record
Deed Document Number	0012965446
Deed Book / Page	12965 / 446
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	6410 RIVER RD, PROSPECT, KY 40059-9603
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	COMMONWEALTH TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000116933
Date	May 14, 2021
Book Page	17378/781
Instrument	2021116933

Lender

Name	FIRST SAVINGS BANK
Type	Bank
Address	CLARKSVILLE, IN 47129

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	6410 RIVER RD, PROSPECT, KY 40059-9603
Document Number	0163000057
Instrument Date	Dec 5, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6410 RIVER RD PROSPECT KY 400599603, PROSPECT, KY 40059-9603

Mortgage

Document Number	0163000057
Date	Dec 27, 2019
Book Page	016300/000057
Instrument	295435

Lender

Name	PNC BK NATL ASSN
Address	LOUISVILLE, KY 40241

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2049

Tax Assessment & Valuation

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 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	$6,148.00 (+27.34%) Homeowner's exemption	$600,000 (+29.5%) Land $90,990 Building $509,010
2024			$600,000 (+29.5%) Land $90,990 Building $509,010
2023	$4,828.00 (-1.73%) Homeowner's exemption	$463,310 (-) Land $90,990 Building $372,320	$463,310 (-) Land $90,990 Building $372,320
2022	$4,913.00 Homeowner's exemption	$463,310 Land $90,990 Building $372,320	$463,310 Land $90,990 Building $372,320

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

Flood

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: BluegrassNet.

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