11601 Chapel Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 11601 Chapel Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,920 sqft · built 1994
Lot Size	2 acres (87,120 sqft)
Owner	2 Company Names on Record
Last Sale	$450,000 (Sep 2010)
Tax Bill	$8,058 (2025)
Deeds & Mortgages	Jun 2026 Transfer Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-00-16`

Property Details

APN / Parcel Number

Primary APN	`06-23-00-16`
Alternative APN	`44610`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,920 sqft Living Area
Basement Area	2,309 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Garage Area	568 sqft
Driveway	Asphalt Driveway
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	44610
Street Address	11601 CHAPEL HILL RD
City	PROSPECT
State	KY
Zip	40059-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 2.0AC
Legal Subdivision	COVERED BRIDGE CROSSING
Legal Lot Number	16
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 July 7, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	11601 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Feb 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2010 · Amount on Record
Deed Sale	Sep 8, 2010 · Amount on Record
Deed Document Number	2010422935
Deed Book / Page	981 / 208
Last Transfer Date	Jun 11, 2026
Transfer Doc	0000867891
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OLDHAM KY
Recording Date	Jun 15, 2026
Property Address	11601 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Document Number	0000867891
Book / Page	1444 / 226
Instrument Date	Jun 11, 2026
Instrument	2026867891
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	11601 CHAPEL HILL RD, PROSPECT, KY 40059-9520

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11601 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Mar 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2573/749
Date	Feb 28, 2022
Book Page	M2573/749
Instrument	679686

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11601 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RESOURCE TITLE, SOURCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2264/272
Date	Jun 19, 2017
Book Page	M2264/272
Instrument	526209

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	May 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$8,058.00 (+23.12%) Homeowner's exemption	$700,000 (+22.81%) Land $150,000 Building $550,000	$700,000 (+22.81%) Land $150,000 Building $550,000
2023	$6,545.00 Homeowner's exemption	$570,000 Land $150,000 Building $420,000	$570,000 Land $150,000 Building $420,000

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 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 4 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

Cell Coverage

5G (outdoors only) and 4G LTE

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