7221 Fox Harbor Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7221 Fox Harbor Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 ba · 3,415 sqft · built 1992
Lot Size	0.432 acres (18,831 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Aug 2012)
Tax Bill	$6,302 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21167900940000`

Property Details

APN / Parcel Number

Primary APN	`21167900940000`
Alternative APNs	`167900940000` `00001699`

Interior

Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,415 sqft Finished Area
Basement Area	2,534 sqft
Finished Basement	1,300 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,831 sqft (0.432 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Deck Area	500 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001699
Street Address	7221 FOX HARBOR RD
City	PROSPECT
State	KY
Zip	40059-9327
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 94 FOX HARBOR SEC 3 PB 31 PG 67 0.4323 AC
Legal Subdivision	FOX HARBOR
Legal Lot Number	94
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1013
Census Tract	10312

Owner

Source: Louisville/Jefferson County Metro Government records, as of December 15, 2025

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
Co-owner	Co-owner on Record
Mailing Address	7221 FOX HARBOR RD, PROSPECT, KY 40059-9327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2012 · Amount on Record
Deed Sale	Aug 14, 2012 · Amount on Record
Deed Document Number	12118679
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7221 FOX HARBOR RD, PROSPECT, KY 40059-9327
Document Number	0171050937
Instrument Date	Jan 15, 2021
Transaction Type	Mortgage
Record Updated	Feb 4, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7221 FOX HARBOR RD PROSPECT KY 400599327, PROSPECT, KY 40059-9327

Mortgage

Document Number	0171050937
Date	Jan 22, 2021
Book Page	017105/000937
Instrument	18413

Lender

Name	COMMONWEALTH BK
Type	Bank
Address	LOUISVILLE, KY 40222

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 21, 2036

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
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	$6,302.00 (-3.62%)	$564,760 (-) Land $85,000 Building $479,760
2024			$564,760 (-) Land $85,000 Building $479,760
2023	$6,539.00 (-0.35%)	$564,760 (-) Land $85,000 Building $479,760	$564,760 (-) Land $85,000 Building $479,760
2022	$6,562.00	$564,760 Land $85,000 Building $479,760	$564,760 Land $85,000 Building $479,760

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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