7228 Fox Harbor Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7228 Fox Harbor Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,800 sqft · built 1978
Lot Size	0.364 acres (15,873 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (Jun 2021)
Tax Bill	$3,850 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21167901450000`

Property Details

APN / Parcel Number

Primary APN	`21167901450000`
Alternative APNs	`167901450000` `00001806`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,800 sqft Finished Area
Basement Area	1,385 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,873 sqft (0.364 acres)
Garage Type	Attached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Patio Area	21 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001806
Street Address	7228 FOX HARBOR RD
City	PROSPECT
State	KY
Zip	40059-8601
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 145 FOX HARBOR SEC 3 PB 31 PG 67
Legal Subdivision	FOX HARBOR
Legal Lot Number	145
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1014
Census Tract	10312

Owner

7228 Fox Harbor Rd is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7228 FOX HARBOR RD, PROSPECT, KY 40059-8601
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jun 24, 2021	Deed, Transfer · Conventional Mortgage COMMONWEALTH BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2021 · Amount on File
Deed Sale	Jun 24, 2021 · Amount on File
Deed Document Number	0012058770
Deed Book / Page	12058 / 770
Record Updated	Jun 8, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7228 FOX HARBOR RD, PROSPECT, KY 40059-8601
Transaction Type	Mortgage
Record Updated	Oct 8, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7228 FOX HARBOR RD, PROSPECT, KY 40059-8601

Mortgage

Document Number	0000121956
Date	Sep 29, 2025
Book Page	M 19478/115
Instrument	2025121956

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Oct 1, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jun 24, 2021
Property Address	7228 FOX HARBOR RD, PROSPECT, KY 40059-8601
Document Number	0000157122
Book / Page	12058 / 770
Map Reference	MB 31 PG 67
Instrument Date	Jun 23, 2021
Instrument	2021157122
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$345.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7228 FOX HARBOR RD, PROSPECT, KY 40059-8601

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	7228 FOX HARBOR RD, PROSPECT, KY 40059-8601

Mortgage

Document Number	0000157123
Date	Jun 24, 2021
Instrument	2021157123

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 7228 Fox Harbor Rd was $3,850.

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	$3,850.00	$345,000 Land $65,000 Building $280,000
2024			$345,000 (-) Land $65,000 Building $280,000
2023	$3,995.00 (-0.32%) Homeowner's exemption	$345,000 (-) Land $65,000 Building $280,000	$345,000 (-) Land $65,000 Building $280,000
2022	$4,008.00 Homeowner's exemption	$345,000 Land $65,000 Building $280,000	$345,000 Land $65,000 Building $280,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 7228 Fox Harbor Rd in Zone X, an area of minimal flood risk, though there have been 31 flood claims nearby since 1980.

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 File 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

Wildfire risk around 7228 Fox Harbor Rd is low, with a 0.01% annual chance of 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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