7121 River Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7121 River Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,366 sqft · built 1960
Lot Size	0.55 acres (24,000 sqft)
Owner	2 Owner Names on File
Tax Bill	$1,270 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Feb 2019 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`21020600320000`

Property Details

APN / Parcel Number

Primary APN	`21020600320000`
Alternative APNs	`020600320000` `00001913`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,366 sqft Finished Area
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	24,000 sqft (0.55 acres)
Lot Dimensions	400 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001913
Street Address	7121 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	60 X 400 PT LOT 82 TRANSYLAVANIA SUB
Legal Subdivision	TOWN OF TRANSYLVANIA
Legal Lot Number	82
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	3
Census Block	3017
Census Tract	7502

Owner

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on File
Mailing Address	7121 RIVER RD, PROSPECT, KY 40059-9618
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Feb 27, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Feb 5, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Aug 17, 2007
Transfer Doc	0090900417
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7121 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0163840784
Instrument Date	Feb 1, 2020
Transaction Type	Mortgage
Record Updated	Mar 13, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7121 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	0163840784
Date	Feb 27, 2020
Book Page	016384/000784
Instrument	41285

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7121 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0158810587
Instrument Date	Feb 27, 2019
Transaction Type	Mortgage
Record Updated	Mar 29, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7121 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	0158810587
Date	Mar 18, 2019
Book Page	015881/000587
Instrument	57639

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7121 RIVER RD, PROSPECT, KY 40059-9618
Document Number	0154270654
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7121 RIVER RD PROSPECT KY 400599618, PROSPECT, KY 40059-9618

Mortgage

Document Number	0154270654
Date	Feb 28, 2018
Book Page	015427/000654
Instrument	47512

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2048

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	$1,270.00 (-5.93%) Homeowner's exemption	$162,970 (-) Land $38,000 Building $124,970
2024			$162,970 (-) Land $38,000 Building $124,970
2023	$1,350.00 (-5.13%) Homeowner's exemption	$162,970 (-) Land $38,000 Building $124,970	$162,970 (-) Land $38,000 Building $124,970
2022	$1,423.00 Homeowner's exemption	$162,970 Land $38,000 Building $124,970	$162,970 Land $38,000 Building $124,970

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 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 at the parcel

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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile USA, Verizon.

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