7909 Westover Dr, Prospect, KY 40059 Property Records

Louisville/Jefferson County Metro Government property record for 7909 Westover Dr, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 ba · 3,028 sqft · built 1974
Lot Size	0.092 acres (4,012 sqft)
Owner	2 Individual Names on File
Last Sale	$425,000 (Sep 2022)
Tax Bill	$4,743 (2025)
Deeds & Mortgages	May 2023 Line of Credit Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`21165304340000`

Property Details

APN / Parcel Number

Primary APN	`21165304340000`
Alternative APNs	`165304340000` `00001044`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	3,028 sqft Finished Area
Basement Area	1,514 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,012 sqft (0.092 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Area	324 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00001044
Street Address	7909 WESTOVER DR
City	PROSPECT
State	KY
Zip	40059-8400
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6-RESIDENTIAL MULTI-FAMI
Legal Description	HUNTING CREEK SECTION 0-3
Legal Subdivision	HUNTING CREEK
Legal Lot Number	434
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	2
Census Block	2003
Census Tract	10312

Owner

7909 Westover Dr is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	7909 WESTOVER DR, PROSPECT, KY 40059-8400
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
May 18, 2023	Deed of Trust, Mortgage · Line of Credit NORTHPOINTE BANK
Sep 13, 2022	Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Jul 10, 2006 · Amount on File
Deed Document Number	0012453829
Deed Book / Page	12453 / 829
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7909 WESTOVER DR, PROSPECT, KY 40059-8400
Transaction Type	Mortgage
Record Updated	Jun 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097134
Date	May 18, 2023
Book Page	M 18499/591
Instrument	2023097134

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 21, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON KY
Recording Date	Sep 13, 2022
Property Address	7909 WESTOVER DR, PROSPECT, KY 40059-8400
Document Number	0000211138
Book / Page	D 12453 / 829
Map Reference	MB 30 PG 15
Instrument Date	Sep 9, 2022
Instrument	2022211138
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	$425.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7713 HERMITS RUN RD, LOUISVILLE, KY 40291-4073

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7909 WESTOVER DR, PROSPECT, KY 40059-8400

Mortgage

Document Number	0000211139
Date	Sep 13, 2022
Instrument	2022211139

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	7909 WESTOVER DR, PROSPECT, KY 40059-8400
Document Number	0149230096
Book / Page	014923 / 000096
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	May 19, 2017
Title Company	GRACE TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7909 WESTOVER DR PROSPECT KY 400598400, PROSPECT, KY 40059-8400

Mortgage

Document Number	0149230096
Date	Jan 25, 2017
Book Page	014923/000096
Instrument	18407

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 7909 Westover Dr was $4,743.

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	$4,743.00	$425,000 Land $55,000 Building $370,000
2024			$425,000 (-) Land $55,000 Building $370,000
2023	$4,921.00 (+6.91%)	$425,000 (+7.28%) Land $55,000 Building $370,000	$425,000 (+7.28%) Land $55,000 Building $370,000
2022	$4,603.00	$396,160 Land $55,000 Building $341,160	$396,160 Land $55,000 Building $341,160

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

Flood

FEMA maps place 7909 Westover Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	2 in force

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 7909 Westover Dr 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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