12509 Saint Clair Dr, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 12509 Saint Clair Dr, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,292 sqft · built 1960
Lot Size	0.908 acres (39,561 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Jun 2001)
Tax Bill	$2,732 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21151800050000`

Property Details

APN / Parcel Number

Primary APN	`21151800050000`
Alternative APNs	`151800050000` `00059695`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,292 sqft Finished Area
Flooring	Covered
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	39,561 sqft (0.908 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Deck Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00059695
Street Address	12509 SAINT CLAIR DR
City	LOUISVILLE
State	KY
Zip	40243-1032
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDEN
Legal Description	LOT 8 SEC 1 HOLIDAY HILLS SUB
Legal Subdivision	HOLIDAY HILLS
Legal Lot Number	8
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	4
Census Block	4017
Census Tract	10406

Owner

12509 Saint Clair Dr is owned and occupied by an individual who bought it in June 2001.

Source: Louisville/Jefferson County Metro Government records, as of July 13, 2026

Owner of Record	Individual Name on File
Mailing Address	12509 SAINT CLAIR DR, LOUISVILLE, KY 40243-1032
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2001 · Amount on File
Deed Sale	Jun 1, 2001 · Amount on File
Deed Document Number	200187327
Deed Book / Page	7657 / 447
Record Updated	Sep 20, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Nov 1, 2019
Property Address	12509 SAINT CLAIR DR, MIDDLETOWN, KY 40243-1032
Document Number	0115430744
Book / Page	011543 / 000744
Instrument Date	Nov 1, 2019
Instrument	253632
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12509 SAINT CLAIR DR LOUISVILLE KY 402431032, LOUISVILLE, KY 40243-1032

Mortgage

Document Number	162160524
Date	Nov 1, 2019
Book Page	016216/000524
Instrument	253633

Lender

Name	CROSSCOUNTRY MTG
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 12509 Saint Clair Dr was $2,732.

Source: Louisville/Jefferson County Metro Government assessment roll, as of December 16, 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	$2,732.00	$244,850 Land $66,300 Building $178,550
2024			$244,850 (-) Land $66,300 Building $178,550
2023	$2,835.00 (-0.35%)	$244,850 (-) Land $66,300 Building $178,550	$244,850 (-) Land $66,300 Building $178,550
2022	$2,845.00	$244,850 Land $66,300 Building $178,550	$244,850 Land $66,300 Building $178,550

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

Flood

FEMA maps place 12509 Saint Clair Dr 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 January 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 12509 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 95% of Kentucky
Wildfire Likelihood	Under 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 101 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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