7246 Fox Harbor Rd, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7246 Fox Harbor Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 2,818 sqft · built 1983
Lot Size	0.33 acres (14,392 sqft)
Owner	Owner Name on File
Tax Bill	$4,459 (2025)
Deeds & Mortgages	Aug 2020 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21167901180000`

Property Details

APN / Parcel Number

Primary APN	`21167901180000`
Alternative APNs	`167901180000` `00001959`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,818 sqft Finished Area
Basement Area	1,404 sqft
Finished Basement	1,100 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,392 sqft (0.33 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001959
Street Address	7246 FOX HARBOR RD
City	PROSPECT
State	KY
Zip	40059-8602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	FOX HARBOR SEC 3
Legal Subdivision	FOX HARBOR
Legal Lot Number	118
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1014
Census Tract	10312

Owner

The current owner of 7246 Fox Harbor Rd acquired it in March 2010.

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

Owner of Record	Owner Name on File
Mailing Address	7246 FOX HARBOR RD, PROSPECT, KY 40059-8602
Occupancy	Owner Occupied

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
Aug 14, 2020	Deed of Trust, Mortgage · Line of Credit L&N FCU
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	Name on Deed
Prior Sale	Jan 11, 2001 · Amount on File
Last Transfer Date	Mar 18, 2010
Transfer Doc	0095360288
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7246 FOX HARBOR RD, PROSPECT, KY 40059-8602
Document Number	0167610228
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	GRACE TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7246 FOX HARBOR RD PROSPECT KY 400598602, PROSPECT, KY 40059-8602

Mortgage

Document Number	0167610228
Date	Aug 26, 2020
Book Page	016761/000228
Instrument	176550

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 25, 2040

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7246 FOX HARBOR RD, PROSPECT, KY 40059-8602
Document Number	0166510567
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	BLUEGRASS LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7246 FOX HARBOR RD PROSPECT KY 400598602, PROSPECT, KY 40059-8602

Mortgage

Document Number	0166510567
Date	Jul 8, 2020
Book Page	016651/000567
Instrument	131550

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 7, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 7246 Fox Harbor Rd was $4,459.

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	$4,459.00	$399,620 Land $81,600 Building $318,020
2024			$399,620 (-) Land $81,600 Building $318,020
2023	$4,627.00 (-0.34%)	$399,620 (-) Land $81,600 Building $318,020	$399,620 (-) Land $81,600 Building $318,020
2022	$4,643.00	$399,620 Land $81,600 Building $318,020	$399,620 Land $81,600 Building $318,020

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

Flood

FEMA maps place 7246 Fox Harbor Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 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 7246 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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