7239 Fox Harbor Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7239 Fox Harbor Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 2,838 sqft · built 1976
Lot Size	0.477 acres (20,782 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jul 2020)
Tax Bill	$4,464 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21167901040000`

Property Details

APN / Parcel Number

Primary APN	`21167901040000`
Alternative APNs	`167901040000` `00001902`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,838 sqft Finished Area
Basement Area	1,419 sqft
Finished Basement	802 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	20,782 sqft (0.477 acres)
Garage Type	Attached
Garage Area	299 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001902
Street Address	7239 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 104 FOX HARBOR SEC 3
Legal Subdivision	FOX HARBOR
Legal Lot Number	104
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1014
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
Mailing Address	7239 FOX HARBOR RD, PROSPECT, KY 40059-9327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK
Jul 6, 2020	Warranty Deed, Transfer · Conventional with PMI STEARNS LNDG LLC
Oct 26, 2017	Deed of Trust, Mortgage · Conventional with PMI STATE FARM BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Prior Sale	Apr 18, 2006 · Amount on Record
Deed Document Number	0011727734
Deed Book / Page	11727 / 734
Prior Transfer Date	Jul 6, 2020
Prior Transfer Doc	0117270734
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7239 FOX HARBOR RD, PROSPECT, KY 40059-9327
Transaction Type	Mortgage
Record Updated	Mar 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056557
Date	Mar 10, 2021
Book Page	17221/371
Instrument	2021056557

Lender

Name	CITIZENS BANK
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jul 6, 2020
Property Address	7239 FOX HARBOR RD, PROSPECT, KY 40059-9327
Document Number	0117270734
Book / Page	011727 / 000734
Instrument Date	Jul 2, 2020
Instrument	129544
Transaction Type	Transfer
Record Updated	Jul 23, 2020
Title Company	MOMENTUM TITLE AGENCY LLC, MOMENTUM TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7239 FOX HARBOR RD PROSPECT KY 400599327, PROSPECT, KY 40059-9327

Mortgage

Document Number	166470152
Date	Jul 6, 2020
Book Page	016647/000152
Instrument	129545

Lender

Name	STEARNS LNDG LLC
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7239 FOX HARBOR RD, PROSPECT, KY 40059-9327
Document Number	0152980706
Book / Page	015298 / 000706
Instrument Date	Oct 26, 2017
Transaction Type	Mortgage
Record Updated	Dec 11, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7239 FOX HARBOR RD PROSPECT KY 400599327, PROSPECT, KY 40059-9327

Mortgage

Document Number	0152980706
Date	Nov 7, 2017
Book Page	015298/000706
Instrument	255446

Lender

Name	STATE FARM BK
Type	Bank
Address	SAINT LOUIS, MO 63141-9001

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Nov 6, 2032

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	$4,464.00 (-3.63%)	$400,000 (-) Land $65,000 Building $335,000
2024			$400,000 (-) Land $65,000 Building $335,000
2023	$4,632.00 (-0.34%)	$400,000 (-) Land $65,000 Building $335,000	$400,000 (-) Land $65,000 Building $335,000
2022	$4,648.00	$400,000 Land $65,000 Building $335,000	$400,000 Land $65,000 Building $335,000

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 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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