7304 Willow Gate Ct, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7304 Willow Gate Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 3,825 sqft · built 1992
Lot Size	0.257 acres (11,186 sqft)
Owner	2 Individual Names on File
Last Sale	$780,000 (Sep 2026)
Tax Bill	$6,598 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`21249300690000`

Property Details

APN / Parcel Number

Primary APN	`21249300690000`
Alternative APNs	`249300690000` `00000467`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,825 sqft Finished Area
Basement Area	1,673 sqft
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,186 sqft (0.257 acres)
Garage Type	Attached
Garage Area	884 sqft
Parking Spaces	4 Parking Spaces
Pool Area	544 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00000467
Street Address	7304 WILLOW GATE CT
City	PROSPECT
State	KY
Zip	40059-9487
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	LOT 69 ESTATES OF HUNTING CREEK SEC 2A PB. 37 PG. 14 .2568 AC+/-
Legal Subdivision	HUNTING CREEK
Legal Lot Number	69
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	1
Census Block	1000
Census Tract	10312

Owner

7304 Willow Gate Ct is owned and occupied by two individuals who bought it in September 2026.

Source: Louisville/Jefferson County Metro Government records, as of September 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7304 WILLOW GATE CT, PROSPECT, KY 40059-9487
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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 1, 2026	Deed, Transfer · Conventional Mortgage TRUST COMPANY
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATEWIDE MTG
Sep 5, 2017	Warranty Deed, Transfer · Conventional Mortgage STATEWIDE MTG
Mar 20, 2017	Trustee's Deed, Construction Loan · Construction Mortgage REPUBLIC BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Sep 5, 2017 · Amount on File
Deed Document Number	2026107860
Deed Book / Page	13408 / 676
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Sep 1, 2026
Property Address	7304 WILLOW GATE CT, PROSPECT, KY 40059-9487
Document Number	0000107860
Book / Page	13408 / 676
Instrument Date	Aug 31, 2026
Instrument	2026107860
Transaction Type	Transfer
Record Updated	Sep 17, 2026
Title Company	LIMESTONE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,780.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	7304 WILLOW GATE CT, PROSPECT, KY 40059-9487

Mortgage

Document Number	0000107861,
Date	Sep 1, 2026
Instrument	2026107861

Lender

Name	TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7304 WILLOW GATE CT, PROSPECT, KY 40059-9487
Document Number	0166970874
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7304 WILLOW GATE CT PROSPECT KY 400599487, PROSPECT, KY 40059-9487

Mortgage

Document Number	0166970874
Date	Jul 30, 2020
Book Page	016697/000874
Instrument	149017

Lender

Name	STATEWIDE MTG
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 29, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Sep 5, 2017
Property Address	7304 WILLOW GATE CT, PROSPECT, KY 40059-9487
Document Number	0109710214
Book / Page	010971 / 000214
Instrument Date	Sep 1, 2017
Instrument	195559
Transaction Type	Transfer
Record Updated	Sep 18, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$579.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7304 WILLOW GATE CT PROSPECT KY 400599487, PROSPECT, KY 40059-9487

Mortgage

Document Number	152090601
Date	Sep 5, 2017
Book Page	015209/000601
Instrument	195560

Lender

Name	STATEWIDE MTG
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2047

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	JEFFERSON KY
Recording Date	Mar 20, 2017
Property Address	7304 WILLOW GATE CT, PROSPECT, KY 40059-9487
Document Number	0149840356
Book / Page	014984 / 000356
Instrument Date	Mar 6, 2017
Instrument	63525
Transaction Type	Construction Loan
Record Updated	Jun 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7304 WILLOW GATE CT PROSPECT KY 400599487, PROSPECT, KY 40059-9487

Mortgage

Document Number	149840356
Date	Mar 20, 2017
Book Page	014984/000356
Instrument	63525

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 19, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 7304 Willow Gate Ct was $6,598.

Source: Louisville/Jefferson County Metro Government assessment roll, as of December 16, 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	$6,598.00	$591,260 Land $140,640 Building $450,620
2024			$591,260 (-) Land $140,640 Building $450,620
2023	$6,846.00 (-0.35%)	$591,260 (-) Land $140,640 Building $450,620	$591,260 (-) Land $140,640 Building $450,620
2022	$6,870.00	$591,260 Land $140,640 Building $450,620	$591,260 Land $140,640 Building $450,620

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

Flood

FEMA maps place 7304 Willow Gate Ct 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 7304 Willow Gate Ct 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	None beyond ember reach

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 83 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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