12620 Chesapeake Bay Dr, Coldstream (Louisville), KY 40245 Property Records

Louisville/Jefferson County Metro Government property record for 12620 Chesapeake Bay Dr, Coldstream, KY 40245

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,551 sqft · built 2001
Lot Size	0.493 acres (21,484 sqft)
Owner	Individual Name on Record
Last Sale	$232,750 (Aug 2020)
Tax Bill	$2,597 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21324401120000`

Property Details

APN / Parcel Number

Primary APN	`21324401120000`
Alternative APNs	`324401120000` `01009111`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,551 sqft Finished Area
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,484 sqft (0.493 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	01009111
Street Address	12620 CHESAPEAKE BAY DR
City	COLDSTREAM
State	KY
Zip	40245-6488
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5-RESIDENTIAL SINGLE FAM
Legal Description	LOT 112 BAY TREE SEC.3 PB.46 PG.10
Legal Subdivision	BAY TREE
Legal Tract	EE
Legal Lot Number	112
Jurisdiction	JEFFERSON KY
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	2
Census Block	2004
Census Tract	10324

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	Individual Name on Record
Mailing Address	12620 CHESAPEAKE BAY DR, LOUISVILLE, KY 40245-6488
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Deed Document Number	0011769990
Deed Book / Page	11769 / 990
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Aug 24, 2020
Property Address	12620 CHESAPEAKE BAY DR, COLDSTREAM, KY 40245-6488
Document Number	0117690990
Book / Page	011769 / 000990
Instrument Date	Aug 21, 2020
Instrument	174651
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$233.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12620 CHESAPEAKE BAY DR LOUISVILLE KY 402456488, LOUISVILLE, KY 40245-6488

Mortgage

Document Number	167540410
Date	Aug 24, 2020
Book Page	016754/000410
Instrument	174652

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2050

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,597.00 (-3.64%)	$232,750 (-) Land $30,000 Building $202,750
2024			$232,750 (-) Land $30,000 Building $202,750
2023	$2,695.00 (-0.33%)	$232,750 (-) Land $30,000 Building $202,750	$232,750 (-) Land $30,000 Building $202,750
2022	$2,704.00	$232,750 Land $30,000 Building $202,750	$232,750 Land $30,000 Building $202,750

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

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

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	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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20