7103 Fox Harbor Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7103 Fox Harbor Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,720 sqft · built 1974
Lot Size	0.297 acres (12,924 sqft)
Owner	2 Individual Names on File
Last Sale	$605,000 (Sep 2024)
Tax Bill	$6,751 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2019 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21160000450000`

Property Details

APN / Parcel Number

Primary APN	`21160000450000`
Alternative APNs	`160000450000` `00001535`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,720 sqft Finished Area
Basement Area	1,360 sqft
Flooring	Covered
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,924 sqft (0.297 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Patio Area	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001535
Street Address	7103 FOX HARBOR RD
City	PROSPECT
State	KY
Zip	40059-9324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	LOT 45 FOX HARBOR SUB, SECTION 1, PB.26 PG.86; 0.2967 AC +/-
Legal Subdivision	FOX HARBOR
Legal Lot Number	45
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1013
Census Tract	10312

Owner

7103 Fox Harbor Rd is owned and occupied by two individuals who bought it in September 2024.

Source: Louisville/Jefferson County Metro Government records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7103 FOX HARBOR RD, PROSPECT, KY 40059-9324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Jul 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE MORTGAGE
May 31, 2019	Grant Deed, Transfer LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC
Jun 14, 2018	Grant Deed, Transfer PRISM TITLE AND CLOSING SERVICES
Jun 14, 2018	Warranty Deed, Transfer PRISM TITLE AND CLOSING SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2024 · Amount on File
Deed Sale	Sep 20, 2024 · Amount on File
Prior Sale	May 31, 2019 · Amount on File
Deed Document Number	2024149725
Deed Book / Page	12919 / 870
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Recording Date	Jul 16, 2026
Property Address	7103 FOX HARBOR RD, PROSPECT, KY 40059-9324
Document Number	0000085089
Book / Page	19889 / 231
Instrument Date	Jul 10, 2026
Instrument	202685089
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 FOX HARBOR RD, PROSPECT, KY 40059-9324

Mortgage

Document Number	0000085089,
Date	Jul 16, 2026
Book Page	19889/231
Instrument	202685089

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.52%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON KY
Recording Date	May 31, 2019
Property Address	7103 FOX HARBOR RD, PROSPECT, KY 40059-9324
Document Number	0114190229
Book / Page	011419 / 000229
Instrument Date	May 24, 2019
Instrument	120751
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Tax	$410.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 FOX HARBOR RD PROSPECT KY 400599324, PROSPECT, KY 40059-9324

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jun 14, 2018
Property Address	7103 FOX HARBOR RD, PROSPECT, KY 40059-9324
Document Number	0111730948
Book / Page	011173 / 000948
Instrument Date	Jun 1, 2018
Instrument	138271
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	PRISM TITLE AND CLOSING SERVICES

Transaction

Amount	Amount on Record
Tax	$406.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7103 FOX HARBOR RD PROSPECT KY 400599324, PROSPECT, KY 40059-9324

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jun 14, 2018
Property Address	7103 FOX HARBOR RD, PROSPECT, KY 40059-9324
Document Number	0111730941
Book / Page	011173 / 000941
Instrument Date	Apr 16, 2018
Instrument	138270
Transaction Type	Transfer
Record Updated	Jul 2, 2018
Title Company	PRISM TITLE AND CLOSING SERVICES

Transaction

Amount	Amount on Record
Tax	$406.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 LONGWATER DR #106 NORWELL MA 020611653, 106, NORWELL, MA 02061-1653
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 7103 Fox Harbor Rd was $6,751.

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
Municipality	Prospect City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,751.00	$605,000 Land $79,050 Building $525,950
2024			$605,000 (+41.09%) Land $79,050 Building $525,950
2023	$4,965.00 (-0.34%)	$428,800 (-) Land $79,050 Building $349,750	$428,800 (-) Land $79,050 Building $349,750
2022	$4,982.00	$428,800 Land $79,050 Building $349,750	$428,800 Land $79,050 Building $349,750

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

Flood

FEMA maps place 7103 Fox Harbor Rd in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1980.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 14 individual policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	56 units insured incl. 42 condo units
Nearby Flood Claims	31 (1980–2025)
Claims Outside the SFHA	4 of 31
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 · 8 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 9 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 11 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 7103 Fox Harbor 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 176 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: BluegrassNet, T-Mobile.

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