Louisville/Jefferson County Metro Government property record for 12608 Bay Arbor Pl, Coldstream, KY 40245
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,731 sqft · built 1997 |
| Lot Size | 0.158 acres (6,909 sqft) |
| Owner | Individual Name on File |
| Last Sale | $315,000 (Mar 2025) |
| Tax Bill | $2,427 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21293700310000 |
| Primary APN | 21293700310000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,731 sqft Finished Area |
| Flooring | Covered |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,909 sqft (0.158 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 08412046 |
|---|---|
| Street Address | 12608 BAY ARBOR PL |
| City | COLDSTREAM |
| State | KY |
| Zip | 40245-6453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5-RESIDENTIAL SINGLE FAM |
| Legal Description | LOT 31 BAY TREE SUB, SEC 1B, PB.42 PG.89; 0.1589 AC +/- |
| Legal Subdivision | BAY TREE SUB |
| Legal Tract | EE |
| Legal Lot Number | 31 |
| Jurisdiction | JEFFERSON KY |
| Township / Civil Division | NORTHEAST JEFFERSON |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 10324 |
12608 Bay Arbor Pl is owned and occupied by an individual who bought it in March 2025.
Source: Louisville/Jefferson County Metro Government records, as of December 15, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 12608 BAY ARBOR PL, LOUISVILLE, KY 40245-6453 |
| 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.
| Date | Document |
|---|---|
| Oct 20, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Apr 13, 2021 | Deed of Trust, Mortgage · FHA Mortgage AMERIHOME MORTGAGE COMPANY LLC |
| May 16, 2018 | Warranty Deed, Transfer · FHA Mortgage HOMESERVICES LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2025 · Amount on File |
| Deed Sale | Mar 4, 2025 · Amount on File |
| Prior Sale | May 16, 2018 · Amount on File |
| Deed Document Number | 0013022305 |
| Deed Book / Page | 13022 / 305 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12608 BAY ARBOR PL, COLDSTREAM, KY 40245-6453 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2025 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|---|
| Address | 12608 BAY ARBOR PL, LOUISVILLE, KY 40245-6453 |
| Document Number | 0000130804 |
|---|---|
| Date | Oct 20, 2025 |
| Book Page | M 19508/388 |
| Instrument | 2025130804 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12608 BAY ARBOR PL, COLDSTREAM, KY 40245-6453 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000089345 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 17304/515 |
| Instrument | 2021089345 |
| Name | AMERIHOME MORTGAGE COMPANY LLC |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Recording Date | May 16, 2018 |
| Property Address | 12608 BAY ARBOR PL, COLDSTREAM, KY 40245-6453 |
| Document Number | 0111510727 |
| Book / Page | 011151 / 000727 |
| Instrument Date | May 14, 2018 |
| Instrument | 113565 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $202.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12608 BAY ARBOR PL LOUISVILLE KY 402456453, LOUISVILLE, KY 40245-6453 |
| Document Number | 155240297 |
|---|---|
| Date | May 16, 2018 |
| Book Page | 015524/000297 |
| Instrument | 113566 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IN 50266 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 15, 2048 |
The 2025 property tax bill for 12608 Bay Arbor Pl was $2,427.
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 | Coldstream City |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,427.00 | $217,540 Land $30,000 Building $187,540 | |
| 2024 | $217,540 (-) Land $30,000 Building $187,540 | ||
| 2023 | $2,519.00 (-0.32%) | $217,540 (-) Land $30,000 Building $187,540 | $217,540 (-) Land $30,000 Building $187,540 |
| 2022 | $2,527.00 | $217,540 Land $30,000 Building $187,540 | $217,540 Land $30,000 Building $187,540 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12608 Bay Arbor Pl in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 26, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 12608 Bay Arbor Pl is low, with 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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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 419 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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