11600 Chapel Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 11600 Chapel Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,939 sqft · built 1993
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$562,600 (Dec 2017)
Tax Bill	$8,478 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-00-17`

Property Details

APN / Parcel Number

Primary APN	`06-23-00-17`
Alternative APN	`66895`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,939 sqft Living Area
Basement Area	2,653 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	568 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	66895
Street Address	11600 CHAPEL HILL RD
City	PROSPECT
State	KY
Zip	40059-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 3AC
Legal Subdivision	COV. BRIDGE CROSS
Legal Lot Number	17
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1013
Census Tract	30701

Owner

Source: Oldham County records, as of January 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO
Aug 16, 2022	Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU
Apr 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK
Nov 2, 2021	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH BANK & TRUST CO
Jul 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage COMMONWEALTH BANK & TRUST CO
Dec 14, 2017	Transfer on Death Deed, Transfer · Conventional Mortgage COMMONWEALTH BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2017 · Amount on Record
Deed Sale	Dec 14, 2017 · Amount on Record
Deed Document Number	2017533758
Deed Book / Page	1180 / 220
Last Transfer Date	Jul 9, 2021
Transfer Doc	D1295/539
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Jan 9, 2026
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY FORD TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Mortgage

Document Number	0M2726/263
Date	Dec 29, 2025
Book Page	M2726/263
Instrument	842180

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Dec 12, 2032

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2597/850
Date	Aug 16, 2022
Book Page	M2597/850
Instrument	702492

Lender

Name	UNIVERSITY OF KENTUCKY FCU
Type	Credit Union
Address	LEXINGTON, KY 40509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2580/587
Date	Apr 12, 2022
Book Page	M2580/587
Instrument	685710

Lender

Name	NORTHPOINTE BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	6 Months
Min Rate At Change	3.87%
Max Rate At Change	5.5%
Index	Other
Max Rate	8.5%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Nov 16, 2021
Title Company	MATTINGLY-FORD TITLE SERVICES, MATTINGLY FORD TITLE SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2553/727
Date	Nov 2, 2021
Book Page	M2553/727
Instrument	663505

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40207

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Sep 21, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OLDHAM KY
Recording Date	Jul 15, 2021
Property Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Document Number	D1295/539
Book / Page	D1295 / 539
Map Reference	MB 4P G 38
Instrument Date	Jul 9, 2021
Instrument	646030
Transaction Type	Transfer
Record Updated	Jul 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Mortgage

Document Number	646033
Date	Jul 15, 2021
Instrument	646033

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank

Agreement

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

December 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	OLDHAM KY
Recording Date	Dec 14, 2017
Property Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Document Number	D1180/220
Book / Page	D1180 / 220
Map Reference	MB1 PG38
Instrument Date	Dec 11, 2017
Instrument	533758
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 PACHECO AVE, 415, SANTA CRUZ, CA 95062-1234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11600 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Mortgage

Document Number	533759
Date	Dec 14, 2017
Instrument	533759

Lender

Name	COMMONWEALTH BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,478.00 (+20.65%)	$685,000 (+21.78%) Land $200,000 Building $485,000	$685,000 (+21.78%) Land $200,000 Building $485,000
2023	$7,027.00	$562,500 Land $150,000 Building $412,500	$562,500 Land $150,000 Building $412,500

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 October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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