11603 Chapel Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 11603 Chapel Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 5,527 sqft · built 1989
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$820,000 (Jan 2017)
Tax Bill	$11,246 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jan 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-23-00-15`

Property Details

APN / Parcel Number

Primary APN	`06-23-00-15`
Alternative APN	`56486`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,527 sqft Living Area
Basement Area	2,918 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	56486
Street Address	11603 CHAPEL HILL RD
City	PROSPECT
State	KY
Zip	40059-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 2 AC LOT
Legal Subdivision	COVERED BRIDGE CROSSING
Legal Lot Number	15
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1013
Census Tract	30701

Owner

11603 Chapel Hill Rd is owned and occupied by an individual who bought it in January 2017.

Source: Oldham County records, as of December 23, 2025

Owner of Record	Individual Name on File
Mailing Address	11603 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
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jan 5, 2017	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2017 · Amount on File
Deed Sale	Jan 5, 2017 · Amount on File
Deed Document Number	2017519560
Deed Book / Page	1151 / 293
Prior Transfer Date	Dec 31, 2016
Prior Transfer Doc	D1151/293
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11603 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2420/618
Date	Jun 10, 2020
Book Page	M2420/618
Instrument	577566

Lender

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

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	2.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	7.25%
Index	1-Year LIBOR
Max Rate	7.25%

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OLDHAM KY
Recording Date	Jan 5, 2017
Property Address	11603 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Document Number	D1151/293
Book / Page	D1151 / 293
Map Reference	MB4 PG38
Instrument Date	Dec 31, 2016
Instrument	519560
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11603 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Tax Assessment & Valuation

The 2025 property tax bill for 11603 Chapel Hill Rd was $11,246.

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	$11,246.00	$910,000 Land $150,000 Building $760,000	$910,000 Land $150,000 Building $760,000
2023	$10,593.00	$850,000 Land $150,000 Building $700,000	$850,000 Land $150,000 Building $700,000

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

Flood

FEMA maps place 11603 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 11603 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 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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