7120 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7120 River Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,947 sqft · built 1950
Lot Size	0.757 acres (32,992 sqft)
Owner	Individual Name on File
Last Sale	$113,334 (Jun 2024)
Tax Bill	$3,794 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jun 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21020500330000`

Property Details

APN / Parcel Number

Primary APN	`21020500330000`
Alternative APNs	`020500330000` `00001885`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,947 sqft Finished Area
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	32,992 sqft
Garage Type	Attached
Parking Spaces	7 Parking Spaces
Deck Area	352 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	00001885
Street Address	7120 RIVER RD
City	PROSPECT
State	KY
Zip	40059-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	WSTRN 1/2 LOT 72 TRANSYLVANIA SUB PB 4 PG 84 & 85, NW SIDE RIVER RD,
Legal Subdivision	SYLVANIA SUB
Legal Tract	N
Legal Lot Number	72
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 December 18, 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 File
Co-owner	2 Co-owners on File
Mailing Address	1831 WILLIAMSON CT STE 100, 100, LOUISVILLE, KY 40223-4202
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · Commercial Mortgage UNIVERSITY OF KENTUCKY FCU
Jun 25, 2024	Deed, Transfer · Commercial Mortgage PEOPLES BANK
Apr 27, 2023	Deed, Transfer ANNEX CAPTIAL LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 25, 2024 · Amount on File
Deed Sale	Jun 25, 2024 · Amount on File
Prior Sale	Apr 27, 2023 · Amount on File
Deed Document Number	0012862722
Deed Book / Page	12862 / 722
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7120 RIVER RD, PROSPECT, KY 40059-9618
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6102 TIDEWATER CT, PROSPECT, KY 40059-9337

Mortgage

Document Number	0000162973
Date	Dec 31, 2025
Book Page	M 19609/78
Instrument	2025162973

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 30, 2040

June 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jun 25, 2024
Property Address	7120 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0000107205
Book / Page	D 12862 / 722
Instrument Date	May 31, 2024
Instrument	2024107205
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	LIMESTONE TITLE ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1831 WILLIAMSON CT STE 100, 100, LOUISVILLE, KY 40223-4202

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1831 WILLIAMSON CT STE 100, 100, LOUISVILLE, KY 40223-4202

Mortgage

Document Number	0000107206
Date	Jun 25, 2024
Book Page	M 18915/758
Instrument	2024107206

Lender

Name	PEOPLES BANK
Type	Bank
Address	LEBANON, KY 40033

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	174 Months
Due	Dec 29, 2038

April 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Apr 27, 2023
Property Address	7120 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0000081096
Book / Page	D 12599 / 559
Instrument Date	Apr 26, 2023
Instrument	2023081096
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4918 FISHERVILLE RD, SIMPSONVILLE, KY 40067-6701

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	183 WILLIAM ST # L, L, LOUISVILLE, KY 40206-3133

Mortgage

Document Number	0000081097
Date	Apr 27, 2023
Instrument	2023081097

Lender

Name	ANNEX CAPTIAL LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record
Term	12 Months
Due	Apr 25, 2024

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	$3,794.00 (+13.08%)	$340,000 (+17.33%) Land $40,000 Building $300,000
2024			$340,000 (+17.33%) Land $40,000 Building $300,000
2023	$3,355.00 (-0.36%)	$289,780 (-) Land $40,000 Building $249,780	$289,780 (-) Land $40,000 Building $249,780
2022	$3,367.00	$289,780 Land $40,000 Building $249,780	$289,780 Land $40,000 Building $249,780

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 File 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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