7004 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7004 River Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 3,145 sqft · built 1921
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jul 2025)
Tax Bill	$3,164 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21020500170000`

Property Details

APN / Parcel Number

Primary APN	`21020500170000`
Alternative APNs	`020500170000` `00002073`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	3,145 sqft Finished Area
Basement Area	1,850 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Patio Area	370 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00002073
Street Address	7004 RIVER RD
City	PROSPECT
State	KY
Zip	40059-9617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	PT 78 TRANSYLVANIA
Legal Subdivision	TOWN OF TRANSYLVANIA
Legal Tract	ANSYLVANIA
Legal Lot Number	78
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	3
Census Block	3018
Census Tract	7502

Owner

Source: Louisville/Jefferson County Metro Government records, as of May 14, 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 Record
Mailing Address	7004 RIVER RD, PROSPECT, KY 40059-9617
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Line of Credit L AND N FEDERAL CREDIT UNION
Feb 28, 2020	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Feb 28, 2020	Deed of Trust, Mortgage · FHA Mortgage RETIREMENT FNDG SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2025 · Amount on Record
Deed Sale	Jul 25, 2025 · Amount on Record
Prior Sale	Jul 11, 2006 · Amount on Record
Deed Document Number	202594224
Deed Book / Page	13120 / 68
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Recording Date	May 7, 2026
Property Address	7004 RIVER RD, PROSPECT, KY 40059-9617
Document Number	0000052409
Book / Page	19784 / 673
Instrument Date	Apr 20, 2026
Instrument	202652409
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	GRACE TITLE GROUP INC, GRACE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7004 RIVER RD, PROSPECT, KY 40059-9617

Mortgage

Document Number	0000052409,
Date	May 7, 2026
Book Page	19784/673
Instrument	202652409

Lender

Name	L AND N FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7004 RIVER RD, PROSPECT, KY 40059-9617
Document Number	0164240362
Instrument Date	Feb 28, 2020
Transaction Type	Mortgage
Record Updated	Apr 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7004 RIVER RD PROSPECT KY 400599617, PROSPECT, KY 40059-9617

Mortgage

Document Number	0164240362
Date	Mar 20, 2020
Book Page	016424/000362
Instrument	61585

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	4.1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7004 RIVER RD, PROSPECT, KY 40059-9617
Document Number	0164240344
Instrument Date	Feb 28, 2020
Transaction Type	Mortgage
Record Updated	Apr 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7004 RIVER RD PROSPECT KY 400599617, PROSPECT, KY 40059-9617

Mortgage

Document Number	0164240344
Date	Mar 20, 2020
Book Page	016424/000344
Instrument	61584

Lender

Name	RETIREMENT FNDG SOLUTIONS
Address	SAN DIEGO, CA 92108

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	1008 Months

Interest

Rate Type	Adjustable Rate
Rate	4.1%

Tax Assessment & Valuation

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	$3,164.00 (-4.56%) Homeowner's exemption	$332,670 (-) Land $42,800 Building $289,870
2024			$332,670 (-) Land $42,800 Building $289,870
2023	$3,315.00 (-2.36%) Homeowner's exemption	$332,670 (-) Land $42,800 Building $289,870	$332,670 (-) Land $42,800 Building $289,870
2022	$3,395.00 Homeowner's exemption	$332,670 Land $42,800 Building $289,870	$332,670 Land $42,800 Building $289,870

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 43 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	55 units insured incl. 12 condo units
Nearby Flood Claims	58 (1991–2025)
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 · 22 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 12 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 7 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 37 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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