12526 Echo Bridge Rd, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 12526 Echo Bridge Rd, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,183 sqft · built 1973
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,549 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22186902110000`

Property Details

APN / Parcel Number

Primary APN	`22186902110000`
Alternative APNs	`186902110000` `00097960`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,183 sqft Finished Area
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00097960
Street Address	12526 ECHO BRIDGE RD
City	MIDDLETOWN
State	KY
Zip	40243-2126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 211 CROSSCREEKE SUB SEC 3A PB 26 PG 83 0.25 AC+-
Legal Subdivision	CROSSCREEKE
Legal Lot Number	211
Jurisdiction	JEFFERSON KY
Township / Civil Division	SOUTHEAST JEFFERSON
Census Block Group	2
Census Block	2020
Census Tract	10407

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	2 Individual Names on Record
Mailing Address	12526 ECHO BRIDGE RD, LOUISVILLE, KY 40243-2126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2020	Deed of Trust, Mortgage · Conventional with PMI STATEWIDE MTG
Jul 3, 2019	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Prior Sale	Jun 27, 2011 · Amount on Record
Last Transfer Date	Jul 3, 2019
Transfer Doc	0114470793
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12526 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2126
Document Number	0167840114
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ROCKET TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12526 ECHO BRIDGE RD LOUISVILLE KY 402432126, LOUISVILLE, KY 40243-2126

Mortgage

Document Number	0167840114
Date	Sep 4, 2020
Book Page	016784/000114
Instrument	185606

Lender

Name	STATEWIDE MTG
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Jul 3, 2019
Property Address	12526 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2126
Document Number	0114470793
Book / Page	011447 / 000793
Instrument Date	Jun 19, 2019
Instrument	152455
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	HOME CLOSINGS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$203.50
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12526 ECHO BRIDGE RD LOUISVILLE KY 402432126, LOUISVILLE, KY 40243-2126

Mortgage

Document Number	160230562
Date	Jul 3, 2019
Book Page	016023/000562
Instrument	152456

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,549.00 (-3.63%)	$228,480 (-) Land $48,000 Building $180,480
2024			$228,480 (-) Land $48,000 Building $180,480
2023	$2,645.00 (-0.34%)	$228,480 (-) Land $48,000 Building $180,480	$228,480 (-) Land $48,000 Building $180,480
2022	$2,654.00	$228,480 Land $48,000 Building $180,480	$228,480 Land $48,000 Building $180,480

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 · 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	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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 98.2% 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.

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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