Louisville/Jefferson County Metro Government property record for 12509 Echo Bridge Rd, Middletown, KY 40243
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 2,171 sqft · built 1971 |
| Lot Size | 0.208 acres (9,100 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $321,500 (Feb 2023) |
| Tax Bill | $3,587 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Oct 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22186902270000 |
| Primary APN | 22186902270000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,171 sqft Finished Area |
| Flooring | Covered |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,100 sqft (0.208 acres) |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00098015 |
|---|---|
| Street Address | 12509 ECHO BRIDGE RD |
| City | MIDDLETOWN |
| State | KY |
| Zip | 40243-2125 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4-RESIDENTIAL SINGLE FAM |
| Legal Description | LOT 227 CROSSCREEK SUBDIVISION, SEC. 3-A, PB.26, PG. 83, 0.2089 AC +/- |
| Legal Subdivision | CROSSCREEKE |
| Legal Lot Number | 227 |
| Jurisdiction | JEFFERSON KY |
| Township / Civil Division | SOUTHEAST JEFFERSON |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 10407 |
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 |
|---|---|
| Co-owner | 2 Co-owners on Record |
| Mailing Address | 12509 ECHO BRIDGE RD, LOUISVILLE, KY 40243-2125 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2021 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY OF KENTUCKY FCU |
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Feb 1, 2023 | Deed, Transfer · FHA Mortgage STATEWIDE MORTGAGE LLC |
| Sep 22, 2020 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY/KY FCU |
| Dec 18, 2019 | Deed of Trust, Mortgage · Line of Credit UNIVERSITY/KY FCU |
| Oct 2, 2019 | Deed of Trust, Mortgage · Conventional with PMI MOVEMENT MTG |
| Aug 4, 2017 | Grant Deed, Transfer · Conventional Mortgage KENTUCKY HSNG |
| Deed Names | 3 Names on Deed |
|---|---|
| Last Sale | Feb 1, 2023 · Amount on Record |
| Deed Sale | Feb 1, 2023 · Amount on Record |
| Prior Sale | Mar 3, 2006 · Amount on Record |
| Deed Document Number | 0012545353 |
| Deed Book / Page | 12545 / 353 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Title Company | HIGH STREET TITLE COMPANY, HIGH STREET TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000201008 |
|---|---|
| Date | Aug 12, 2021 |
| Book Page | 17569/974 |
| Instrument | 2021201008 |
| Name | UNIVERSITY OF KENTUCKY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Title Company | SIGNATURE TITLE, SIGNATURE TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000264769 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | M 17726/911 |
| Instrument | 2021264769 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Recording Date | Feb 1, 2023 |
| Property Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Document Number | 0000020891 |
| Book / Page | D 12545 / 353 |
| Map Reference | MB 26 PG 83 |
| Instrument Date | Jan 31, 2023 |
| Instrument | 2023020891 |
| Transaction Type | Transfer |
| Record Updated | Mar 2, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $321.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 12509 ECHO BRIDGE RD, LOUISVILLE, KY 40243-2125 |
| Document Number | 0000020892 |
|---|---|
| Date | Feb 1, 2023 |
| Instrument | 2023020892 |
| Name | STATEWIDE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Document Number | 0168860564 |
| Instrument Date | Sep 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12509 ECHO BRIDGE RD LOUISVILLE KY 402432125, LOUISVILLE, KY 40243-2125 |
| Document Number | 0168860564 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | 016886/000564 |
| Instrument | 222990 |
| Name | UNIVERSITY/KY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509-2279 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 19, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Document Number | 0163040821 |
| Instrument Date | Dec 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12509 ECHO BRIDGE RD LOUISVILLE KY 402432125, LOUISVILLE, KY 40243-2125 |
| Document Number | 0163040821 |
|---|---|
| Date | Dec 30, 2019 |
| Book Page | 016304/000821 |
| Instrument | 297754 |
| Name | UNIVERSITY/KY FCU |
|---|---|
| Type | Credit Union |
| Address | LEXINGTON, KY 40509-2279 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 29, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Document Number | 0161850014 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12509 ECHO BRIDGE RD LOUISVILLE KY 402432125, LOUISVILLE, KY 40243-2125 |
| Document Number | 0161850014 |
|---|---|
| Date | Oct 14, 2019 |
| Book Page | 016185/000014 |
| Instrument | 237748 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 13, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Recording Date | Aug 4, 2017 |
| Property Address | 12509 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125 |
| Document Number | 0109490113 |
| Book / Page | 010949 / 000113 |
| Instrument Date | Aug 3, 2017 |
| Instrument | 173790 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $222.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12509 ECHO BRIDGE RD LOUISVILLE KY 402432125, LOUISVILLE, KY 40243-2125 |
| Document Number | 151680826 |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 015168/000826 |
| Instrument | 173792 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Aug 3, 2022 |
| Rate | 12% |
|---|
| Document Number | 151680809, |
|---|---|
| Date | Aug 4, 2017 |
| Book Page | 015168/000809 |
| Instrument | 173791 |
| Name | FIRST LIBERTY FIN'L MTG |
|---|---|
| Address | LOUISVILLE, KY 40223 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 3, 2047 |
Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County / Consolidated City | Louisville/Jefferson County Metro Government |
| Municipality | Middletown City |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,587.00 (+15.86%) | $321,500 (+20.25%) Land $48,000 Building $273,500 | |
| 2024 | $321,500 (+20.25%) Land $48,000 Building $273,500 | ||
| 2023 | $3,096.00 (-0.32%) | $267,360 (-) Land $48,000 Building $219,360 | $267,360 (-) Land $48,000 Building $219,360 |
| 2022 | $3,106.00 | $267,360 Land $48,000 Building $219,360 | $267,360 Land $48,000 Building $219,360 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 488 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| T-Mobile Fiber · Fixed Wireless | 5,000 / 5,000 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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