12409 Saint Clair Dr, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 12409 Saint Clair Dr, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,866 sqft · built 1959
Lot Size	0.896 acres (39,034 sqft)
Owner	2 Owner Names on File
Tax Bill	$2,607 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`21151800070000`

Property Details

APN / Parcel Number

Primary APN	`21151800070000`
Alternative APNs	`151800070000` `00060953`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,866 sqft Finished Area
Basement Area	1,202 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,034 sqft (0.896 acres)
Lot Dimensions	262 ft deep x 149 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00060953
Street Address	12409 SAINT CLAIR DR
City	MIDDLETOWN
State	KY
Zip	40243-1030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 3 SEC 1 HOLIDAY HILLS PB 16 PG 17 149 X 262 AVG NWS ST CLAIR DR 0.8961 AC
Legal Subdivision	HOLIDAY HILLS
Legal Lot Number	3
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	4
Census Block	4017
Census Tract	10406

Owner

The current owner of 12409 Saint Clair Dr acquired it in April 2012.

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

Owner of Record	2 Owner Names on File
Mailing Address	12409 SAINT CLAIR DR, LOUISVILLE, KY 40243-1030
Occupancy	Owner Occupied

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Apr 17, 2002 · Amount on File
Last Transfer Date	Apr 18, 2012
Transfer Doc	0098720673
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12409 SAINT CLAIR DR, MIDDLETOWN, KY 40243-1030
Document Number	0166230159
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	12409 SAINT CLAIR DR LOUISVILLE KY 402431030, LOUISVILLE, KY 40243-1030

Mortgage

Document Number	0166230159
Date	Jun 25, 2020
Book Page	016623/000159
Instrument	123049

Lender

Name	STOCKYARD BK&TR
Type	Bank
Address	LOUISVILLE, KY 40232-2890

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12409 Saint Clair Dr was $2,607 with a homeowner's exemption.

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	Middletown City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,607.00 Homeowner's exemption	$282,790 Land $65,000 Building $217,790
2024			$282,790 (-) Land $65,000 Building $217,790
2023	$2,737.00 (-2.77%) Homeowner's exemption	$282,790 (-) Land $65,000 Building $217,790	$282,790 (-) Land $65,000 Building $217,790
2022	$2,815.00 Homeowner's exemption	$282,790 Land $65,000 Building $217,790	$282,790 Land $65,000 Building $217,790

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

Flood

FEMA maps place 12409 Saint Clair Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2026 · 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
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	3 in force

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 12409 Saint Clair Dr is low, with less than 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 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	Under 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 185 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

May also be available: T-Mobile.

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