12020 Rock Spring Dr, Coldstream (Louisville), KY 40245 Property Records

Louisville/Jefferson County Metro Government property record for 12020 Rock Spring Dr, Coldstream, KY 40245

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,850 sqft · built 1978
Lot Size	0.287 acres (12,524 sqft)
Owner	Individual Name on Record
Tax Bill	$2,305 (2025)
Deeds & Mortgages	Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21169702100000`

Property Details

APN / Parcel Number

Primary APN	`21169702100000`
Alternative APNs	`169702100000` `00003989`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,850 sqft Finished Area
Basement Area	845 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,524 sqft (0.287 acres)
Patio Area	12 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00003989
Street Address	12020 ROCK SPRING DR
City	COLDSTREAM
State	KY
Zip	40245-1893
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5-RESIDENTIAL SINGLE FAM
Legal Description	IRREG COLDSTREAM SEC 2
Legal Subdivision	COLDSTREAM
Legal Lot Number	210
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	2
Census Block	2000
Census Tract	10324

Owner

Source: Louisville/Jefferson County Metro Government records, as of December 15, 2025

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	12020 ROCK SPRING DR, LOUISVILLE, KY 40245-1893
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 1989
Deed Sale	May 8, 1989
Deed Document Number	0005862932
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12020 ROCK SPRING DR, COLDSTREAM, KY 40245-1893
Document Number	0160170187
Instrument Date	Jun 5, 2019
Transaction Type	Mortgage
Record Updated	Jul 11, 2019
Title Company	GRACE TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12020 ROCK SPRING DR LOUISVILLE KY 402451893, LOUISVILLE, KY 40245-1893

Mortgage

Document Number	0160170187
Date	Jul 1, 2019
Book Page	016017/000187
Instrument	149624

Lender

Name	JEFFERSON CNTY FCU
Type	Credit Union
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 30, 2029

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Consolidated City	Louisville/Jefferson County Metro Government
Municipality	Coldstream City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,305.00 (-4.87%) Homeowner's exemption	$255,650 (-) Land $46,350 Building $209,300
2024			$255,650 (-) Land $46,350 Building $209,300
2023	$2,423.00 (-3.08%) Homeowner's exemption	$255,650 (-) Land $46,350 Building $209,300	$255,650 (-) Land $46,350 Building $209,300
2022	$2,500.00 Homeowner's exemption	$255,650 Land $46,350 Building $209,300	$255,650 Land $46,350 Building $209,300

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 January 26, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20