12527 Echo Bridge Rd, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 12527 Echo Bridge Rd, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,065 sqft · built 1973
Lot Size	0.247 acres (10,768 sqft)
Owner	2 Individual Names on Record
Last Sale	$172,500 (Oct 2015)
Tax Bill	$2,400 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22186902360000`

Property Details

APN / Parcel Number

Primary APN	`22186902360000`
Alternative APNs	`186902360000` `00096989`

Interior

Full Baths	2 Baths
Building Area	1,065 sqft Finished Area
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,768 sqft (0.247 acres)
Lot Dimensions	121 ft deep x 89 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00096989
Street Address	12527 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	0.2472 AC LOT 236 CROSSCREEK SEC 3-A PB 26 PG 83 NS ECHO BRIDGE RD 89 X 121 AVG
Legal Subdivision	CROSSCREEKE
Legal Lot Number	236
Jurisdiction	JEFFERSON KY
Township / Civil Division	SOUTHEAST JEFFERSON
Census Block Group	2
Census Block	2021
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	12527 ECHO BRIDGE RD, LOUISVILLE, KY 40243-2125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Sep 15, 2017	Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2015 · Amount on Record
Deed Sale	Oct 27, 2015 · Amount on Record
Prior Sale	Aug 20, 2002 · Amount on Record
Deed Document Number	10056299
Deed Book / Page	10487 / 476
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12527 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000241077
Date	Sep 27, 2021
Book Page	M 17673/554
Instrument	2021241077

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12527 ECHO BRIDGE RD, MIDDLETOWN, KY 40243-2125
Document Number	0152500827
Book / Page	015250 / 000827
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Oct 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12527 ECHO BRIDGE RD LOUISVILLE KY 402432125, LOUISVILLE, KY 40243-2125

Mortgage

Document Number	0152500827
Date	Oct 2, 2017
Book Page	015250/000827
Instrument	216151

Lender

Name	COMMONWEALTH CU
Type	Credit Union
Address	FRANKFORT, KY 40602-0978

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,400.00 (-3.61%)	$215,090 (-) Land $49,440 Building $165,650
2024			$215,090 (-) Land $49,440 Building $165,650
2023	$2,490.00 (-0.36%)	$215,090 (-) Land $49,440 Building $165,650	$215,090 (-) Land $49,440 Building $165,650
2022	$2,499.00	$215,090 Land $49,440 Building $165,650	$215,090 Land $49,440 Building $165,650

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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