11606 Chapel Hill Rd, Prospect, KY 40059 Property Records

Oldham County property record for 11606 Chapel Hill Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,133 sqft · built 1993
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Aug 2019)
Tax Bill	$13,584 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-00-20`

Property Details

APN / Parcel Number

Primary APN	`06-23-00-20`
Alternative APN	`62379`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,133 sqft Living Area
Fireplaces	4 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	87,120 sqft (2 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	62379
Street Address	11606 CHAPEL HILL RD
City	PROSPECT
State	KY
Zip	40059-9520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, GARAGE & 2AC
Legal Lot Number	20
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1013
Census Tract	30701

Owner

11606 Chapel Hill Rd is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	11606 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
Dec 5, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Aug 6, 2019	Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2019 · Amount on File
Deed Sale	Aug 6, 2019 · Amount on File
Deed Document Number	555329
Deed Book / Page	D1223 / 0538
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11606 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Dec 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11606 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Mortgage

Document Number	0M2609/909
Date	Dec 5, 2022
Book Page	M2609/909
Instrument	714354

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	467 Months
Due	Nov 13, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	11606 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Transaction Type	Mortgage
Record Updated	Apr 6, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2501/1
Date	Mar 22, 2021
Book Page	M2501/1
Instrument	626992

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Aug 6, 2019
Property Address	11606 CHAPEL HILL RD, PROSPECT, KY 40059-9520
Document Number	D1223/0538
Book / Page	D1223 / 0538
Map Reference	MB 4 PG 38
Instrument Date	Jul 31, 2019
Instrument	555329
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE 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	111 INVERNESS DR, 111, BLUFFTON, SC 29910-4976

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11606 CHAPEL HILL RD, PROSPECT, KY 40059-9520

Mortgage

Document Number	555330
Date	Aug 6, 2019
Instrument	555330

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 11606 Chapel Hill Rd was $13,584.

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	$13,584.00	$1,100,000 Land $175,000 Building $925,000	$1,100,000 Land $175,000 Building $925,000
2023	$13,694.00	$1,100,000 Land $175,000 Building $925,000	$1,100,000 Land $175,000 Building $925,000

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

Flood

FEMA maps place 11606 Chapel Hill Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
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 11606 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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