7110 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7110 River Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,584 sqft · built 1953
Lot Size	1.72 acres (75,185 sqft)
Owner	Individual Name on Record
Last Sale	$360,000 (Sep 2020)
Tax Bill	$3,904 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Oct 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21020500150074`

Property Details

APN / Parcel Number

Primary APN	`21020500150074`
Alternative APNs	`020500150074` `00001992`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	2,584 sqft Finished Area
Flooring	Covered
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	75,185 sqft (1.72 acres)
Garage Type	Detached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001992
Street Address	7110 RIVER RD
City	PROSPECT
State	KY
Zip	40059-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	LOT 74 TRANSYLVANIA SUB PB. 4 PG. 84, 1.726 AC+/-,
Legal Subdivision	SYLVANIA SUB
Legal Lot Number	74
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 March 2, 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 Record
Mailing Address	7110 RIVER RD, PROSPECT, KY 40059-9618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Oct 27, 2023	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION
Sep 22, 2020	Quit Claim Deed, Transfer · Conventional with PMI COMMONWEALTH BK
Apr 26, 2018	Warranty Deed, Transfer · Conventional with PMI COMMONWEALTH BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2020 · Amount on Record
Deed Sale	Sep 22, 2020 · Amount on Record
Prior Sale	Apr 26, 2018 · Amount on Record
Deed Document Number	2020200602
Deed Book / Page	11796 / 484
Prior Transfer Date	Sep 15, 2020
Prior Transfer Doc	0000200602
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7110 RIVER RD, PROSPECT, KY 40059-9618
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018658
Date	Feb 18, 2026
Book Page	M 19665/546
Instrument	2026018658

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7110 RIVER RD, PROSPECT, KY 40059-9618
Transaction Type	Mortgage
Record Updated	Nov 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212809
Date	Oct 27, 2023
Book Page	M 18678/578
Instrument	2023212809

Lender

Name	COMMONWEALTH CREDIT UNION
Type	Credit Union
Address	FRANKFORT, KY 40602

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JEFFERSON KY
Recording Date	Sep 22, 2020
Property Address	7110 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0117960484
Book / Page	011796 / 000484
Instrument Date	Sep 16, 2020
Instrument	200602
Transaction Type	Transfer
Record Updated	Oct 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7110 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	168220126
Date	Sep 22, 2020
Book Page	016822/000126
Instrument	200603

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 21, 2050

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Apr 26, 2018
Property Address	7110 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0111380012
Book / Page	011138 / 000012
Instrument Date	Apr 23, 2018
Instrument	98414
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	KENTUCKIANA TITLE AGENCY LLC, KENTUCKIANA TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7110 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	155000470
Date	Apr 26, 2018
Book Page	015500/000470
Instrument	98415

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2048

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	$3,904.00 (-3.63%)	$349,900 (-) Land $71,040 Building $278,860
2024			$349,900 (-) Land $71,040 Building $278,860
2023	$4,051.00 (-0.34%)	$349,900 (-) Land $71,040 Building $278,860	$349,900 (-) Land $71,040 Building $278,860
2022	$4,065.00	$349,900 Land $71,040 Building $278,860	$349,900 Land $71,040 Building $278,860

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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