11602 Chapel Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 11602 Chapel Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,000 sqft · built 1991
Lot Size	4.3 acres (187,308 sqft)
Owner	Individual Name on File
Last Sale	$770,000 (Aug 2022)
Tax Bill	$10,385 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2021 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-00-18`

Property Details

APN / Parcel Number

Primary APN	`06-23-00-18`
Alternative APNs	`58153` `69498`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,000 sqft Living Area

Exterior

Year Built	Built 1991
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	187,308 sqft (4.3 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	69498
Street Address	11602 CHAPEL HILL RD
City	PROSPECT
State	KY
Zip	40059-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 4.3AC
Legal Lot Number	18
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1013
Census Tract	30701

Owner

11602 Chapel Hill Rd is owned and occupied by an individual who bought it in August 2022.

Source: Oldham County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
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
Aug 29, 2022	Deed, Transfer · Stand-Alone First Mortgage THE PADUCAH BANK & TRUST CO
Mar 1, 2021	Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK
May 7, 2018	Deed of Trust, Mortgage · Commercial Mortgage MAINSOURCE BANK
May 16, 2018	Deed of Trust, Mortgage · Commercial Mortgage MAINSOURCE BANK
May 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage MAINSOURCE BANK
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FINANCIAL BANK
Sep 28, 2017	Deed, Transfer · ARM MAINSOURCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on File
Deed Sale	Aug 29, 2022 · Amount on File
Prior Sale	Sep 28, 2017 · Amount on File
Deed Document Number	703968
Deed Book / Page	D1337 / 350
Record Updated	Jun 8, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Aug 29, 2022
Property Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Document Number	0D1337/350
Book / Page	D1337 / 350
Map Reference	MB 4 PG 38
Instrument Date	Aug 19, 2022
Instrument	703968
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount 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	11809 SPRINGHILL GARDENS DR, 11809, LOUISVILLE, KY 40223-1375

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Mortgage

Document Number	0000703971
Date	Aug 29, 2022
Instrument	703971

Lender

Name	THE PADUCAH BANK & TRUST CO
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	13 Months
Due	Sep 19, 2023

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Mar 11, 2021
Title Company	BLYTHE TITLE AND ESCROW LLC, BLYTHE TITLE & ECRWO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2495/655
Date	Mar 1, 2021
Book Page	M2495/655
Instrument	623333

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2304/0127
Date	May 7, 2018
Book Page	M2304/0127
Instrument	538445

Lender

Name	MAINSOURCE BANK
Type	Bank
Address	GREENSBURG, IN 47240

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2305/0107
Date	May 16, 2018
Book Page	M2305/0107
Instrument	538800

Lender

Name	MAINSOURCE BANK
Type	Bank
Address	GREENSBURG, IN 47240

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 10, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2304/0108
Date	May 7, 2018
Book Page	M2304/0108
Instrument	538444

Lender

Name	MAINSOURCE BANK
Type	Bank
Address	GREENSBURG, IN 47240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2422/520
Date	Jun 17, 2020
Book Page	M2422/520
Instrument	578666

Lender

Name	FIRST FINANCIAL BANK
Type	Bank
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Sep 28, 2017
Property Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Document Number	D1173/054
Book / Page	D1173 / 054
Map Reference	MB4 PG38
Instrument Date	Sep 25, 2017
Instrument	530676
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMSTONE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
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	724 IROQUOIS AVE, 724, LOUISVILLE, KY 40214-1229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11602 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Mortgage

Document Number	530677
Date	Sep 28, 2017
Instrument	530677

Lender

Name	MAINSOURCE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 10, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2022
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.37%
Index	1-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

The 2025 property tax bill for 11602 Chapel Hill Rd was $10,385.

Source: Oldham County assessment roll, as of July 1, 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	$10,385.00	$840,000 Land $230,000 Building $610,000	$840,000 Land $230,000 Building $610,000
2023	$9,601.00	$770,000 Land $160,000 Building $610,000	$770,000 Land $160,000 Building $610,000

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

Flood

FEMA maps place 11602 Chapel Hill 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 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

Wildfire risk around 11602 Chapel Hill 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 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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