7116 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7116 River Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,163 sqft · built 1949
Lot Size	0.844 acres (36,765 sqft)
Owner	2 Individual Names on Record
Last Sale	$6,500 (Mar 2023)
Tax Bill	$5,853 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`21020500320000`

Property Details

APN / Parcel Number

Primary APN	`21020500320000`
Alternative APNs	`020500320000` `00001941`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,163 sqft Finished Area
Basement Area	1,442 sqft
Flooring	Covered
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,765 sqft (0.844 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Patio Area	254 sqft
Greenhouse	Greenhouse

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001941
Street Address	7116 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	0.8440 AC +/- SES RIVER RD
Legal Subdivision	TOWN OF TRANSYLVANIA
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 September 29, 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	3809 GRANDVIEW AVE, LOUISVILLE, KY 40207-3754
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · VA Mortgage NETX MORTGAGE LLC
Nov 4, 2021	Deed of Trust, Mortgage · VA Mortgage EVERETT FINANCIAL INC
Nov 6, 2020	Deed of Trust, Mortgage · Line of Credit UNIVERSITY/KY FCU
Aug 8, 2019	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MTG
Jun 5, 2017	Warranty Deed, Transfer · Conventional Mortgage FORT KNOX FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2023 · Amount on Record
Deed Sale	Mar 30, 2023 · Amount on Record
Prior Sale	Aug 8, 2019 · Amount on Record
Deed Document Number	202362779
Deed Book / Page	12582 / 227
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Recording Date	Sep 9, 2026
Property Address	7116 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0000110735
Book / Page	19967 / 498
Instrument Date	Aug 26, 2026
Instrument	2026110735
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	LAND TITLE, LAND GROUP TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7116 RIVER RD, PROSPECT, KY 40059-9618

Mortgage

Document Number	0000110735,
Date	Sep 9, 2026
Book Page	19967/498
Instrument	2026110735

Lender

Name	NETX MORTGAGE LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7116 RIVER RD, PROSPECT, KY 40059-9618
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	NOT AVAILABLE, THE LAND GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000275781
Date	Nov 4, 2021
Book Page	M 17759/34
Instrument	2021275781

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7116 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0169900507
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 18, 2020
Title Company	RAINBOW TITLE COMPANY, RAINBOW TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7116 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	0169900507
Date	Dec 4, 2020
Book Page	016990/000507
Instrument	259510

Lender

Name	UNIVERSITY/KY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509-2279

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 3, 2040

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Aug 8, 2019
Property Address	7116 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0114750304
Book / Page	011475 / 000304
Instrument Date	Aug 5, 2019
Instrument	182867
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	MILLENNIAL TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$465.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7116 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	160770298
Date	Aug 8, 2019
Book Page	016077/000298
Instrument	182868

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2049

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jun 5, 2017
Property Address	7116 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0109010922
Book / Page	010901 / 000922
Instrument Date	May 31, 2017
Instrument	125864
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7116 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	150810867
Date	Jun 5, 2017
Book Page	015081/000867
Instrument	125865

Lender

Name	FORT KNOX FCU
Type	Credit Union
Address	RADCLIFF, KY 40159-0900

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

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	$5,853.00 (-3.62%)	$524,510 (-) Land $40,000 Building $484,510
2024			$524,510 (-) Land $40,000 Building $484,510
2023	$6,073.00 (-0.34%)	$524,510 (-) Land $40,000 Building $484,510	$524,510 (-) Land $40,000 Building $484,510
2022	$6,094.00	$524,510 Land $40,000 Building $484,510	$524,510 Land $40,000 Building $484,510

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.

Nearby Properties on River Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures