12614 Bernay Pl, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 12614 Bernay Pl, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,768 sqft · built 2005
Lot Size	0.235 acres (10,267 sqft)
Owner	2 Individual Names on Record
Last Sale	$267,000 (May 2017)
Tax Bill	$2,431 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22345100120000`

Property Details

APN / Parcel Number

Primary APN	`22345100120000`
Alternative APNs	`345100120000` `01019770`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,768 sqft Finished Area
Flooring	Covered
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,267 sqft (0.235 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Deck Area	201 sqft
Patio Area	26 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	01019770
Street Address	12614 BERNAY PL
City	MIDDLETOWN
State	KY
Zip	40243-2187
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4-RESIDENTIAL SINGLE FAM
Legal Description	LOT 12 NORMANDY PLACE SUBDIVISION, PB. 48, PG. 18, 0.2357 AC +/-
Legal Subdivision	NORMANDY PLACE
Legal Lot Number	12
Jurisdiction	JEFFERSON KY
Township / Civil Division	SOUTHEAST JEFFERSON
Census Block Group	2
Census Block	2029
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	12614 BERNAY PL, LOUISVILLE, KY 40243-2187
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 14, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/LOUISVILLE
May 5, 2017	Grant Deed, Transfer · Conventional Mortgage CENTURY LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2017 · Amount on Record
Deed Sale	May 5, 2017 · Amount on Record
Prior Sale	Aug 31, 2015 · Amount on Record
Deed Document Number	0001088144
Deed Book / Page	10881 / 44
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12614 BERNAY PL, MIDDLETOWN, KY 40243-2187
Transaction Type	Mortgage
Record Updated	Jun 16, 2023
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000155510
Date	Jun 23, 2021
Book Page	17466/784
Instrument	2021155510

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON KY
Property Address	12614 BERNAY PL, MIDDLETOWN, KY 40243-2187
Document Number	0158320644
Instrument Date	Dec 14, 2018
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12614 BERNAY PL LOUISVILLE KY 402432187, LOUISVILLE, KY 40243-2187

Mortgage

Document Number	0158320644
Date	Jan 28, 2019
Book Page	015832/000644
Instrument	19924

Lender

Name	FIFTH THIRD BK/LOUISVILLE
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2049

Interest

Rate Type	Adjustable Rate

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON KY
Recording Date	May 5, 2017
Property Address	12614 BERNAY PL, MIDDLETOWN, KY 40243-2187
Document Number	0108810044
Book / Page	010881 / 000044
Instrument Date	May 2, 2017
Instrument	105558
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12614 BERNAY PL LOUISVILLE KY 402432187, LOUISVILLE, KY 40243-2187

Mortgage

Document Number	150450368
Date	May 5, 2017
Book Page	015045/000368
Instrument	105559

Lender

Name	CENTURY LNDG
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 4, 2047

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	$2,431.00 (-4.85%) Homeowner's exemption	$267,000 (-) Land $75,000 Building $192,000
2024			$267,000 (-) Land $75,000 Building $192,000
2023	$2,555.00 (-2.89%) Homeowner's exemption	$267,000 (-) Land $75,000 Building $192,000	$267,000 (-) Land $75,000 Building $192,000
2022	$2,631.00 Homeowner's exemption	$267,000 Land $75,000 Building $192,000	$267,000 Land $75,000 Building $192,000

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 100 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 94% of the US · lower than 94% 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
T-Mobile Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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