12600 Saint Clair Dr, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 12600 Saint Clair Dr, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,585 sqft · built 1960
Lot Size	0.799 acres (34,809 sqft)
Owner	2 Trust Names on File
Tax Bill	$3,325 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21151800170000`

Property Details

APN / Parcel Number

Primary APN	`21151800170000`
Alternative APNs	`151800170000` `00060874`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,585 sqft Finished Area
Basement Area	1,450 sqft
Finished Basement	600 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,809 sqft (0.799 acres)
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00060874
Street Address	12600 SAINT CLAIR DR
City	MIDDLETOWN
State	KY
Zip	40243-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 13 SEC 1 HOLIDAY HILLS SUB PB 16 PG 17
Legal Subdivision	HOLIDAY HILLS
Legal Lot Number	13
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	4
Census Block	4012
Census Tract	10406

Owner

12600 Saint Clair Dr is owner-occupied and held in a trust since January 2025.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	12600 SAINT CLAIR DR, LOUISVILLE, KY 40243-1035
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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	3 Names on Deed
Last Transfer Date	Jan 22, 2025
Transfer Doc	0000010985
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12600 SAINT CLAIR DR, MIDDLETOWN, KY 40243-1035
Document Number	0169080288
Instrument Date	Oct 10, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	12600 SAINT CLAIR DR LOUISVILLE KY 402431035, LOUISVILLE, KY 40243-1035

Mortgage

Document Number	0169080288
Date	Oct 28, 2020
Book Page	016908/000288
Instrument	231130

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 27, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 12600 Saint Clair Dr was $3,325 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	$3,325.00 Homeowner's exemption	$347,120 Land $63,700 Building $283,420
2024			$347,120 (-) Land $63,700 Building $283,420
2023	$3,482.00 (-2.25%) Homeowner's exemption	$347,120 (-) Land $63,700 Building $283,420	$347,120 (-) Land $63,700 Building $283,420
2022	$3,562.00 Homeowner's exemption	$347,120 Land $63,700 Building $283,420	$347,120 Land $63,700 Building $283,420

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

Flood

FEMA maps place 12600 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 12600 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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