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12623 Bay Arbor Pl, Coldstream (Louisville), KY 40245 Property Records

Louisville/Jefferson County Metro Government property record for 12623 Bay Arbor Pl, Coldstream, KY 40245

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,758 sqft · built 1997
Lot Size0.152 acres (6,625 sqft)
OwnerIndividual Name on File
Last Sale$335,000 (Apr 2024)
Tax Bill$3,738 (2025)
Deeds & MortgagesApr 2024 Sale
Jun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21293700450000

Property Details

APN / Parcel Number

Primary APN21293700450000
Alternative APNs
  • 293700450000
  • 08412719

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories2 Stories
Building Area1,758 sqft Finished Area
Basement Area918 sqft
FlooringCovered
Interior WallsWallboard/Drywall
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Exterior MaterialAluminum/Vinyl
Construction TypeWood
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area6,625 sqft (0.152 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
Patio Area35 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral

Location & Zoning

Account Number08412719
Street Address12623 BAY ARBOR PL
CityCOLDSTREAM
StateKY
Zip40245-6453
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR5-RESIDENTIAL SINGLE FAM
Legal Description.1521 AC+- BAY TREE SEC 1B
Legal SubdivisionBAY TREE
Legal TractEE
Legal Lot Number45
JurisdictionJEFFERSON KY
Township / Civil DivisionNORTHEAST JEFFERSON
Census Block Group2
Census Block2004
Census Tract10324

Owner

12623 Bay Arbor Pl is owned and occupied by an individual who bought it in April 2024.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address12623 BAY ARBOR PL, LOUISVILLE, KY 40245-6453
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Apr 2, 2024Deed, Transfer
LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC
Jun 12, 2020Grant Deed, Transfer · Conventional Mortgage
FIRST FIN'L BK&TR

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 2, 2024 · Amount on File
Deed SaleApr 2, 2024 · Amount on File
Prior SaleJun 12, 2020
Deed Document Number0012811107
Deed Book / Page12811 / 107
Record UpdatedJun 8, 2026

April 2024: Deed, Transfer

Document TypeDeed
JurisdictionJEFFERSON KY
Recording DateApr 2, 2024
Property Address12623 BAY ARBOR PL, COLDSTREAM, KY 40245-6453
Document Number0000050582
Book / PageD 12811 / 107
Map ReferenceMB 42 PG 89
Instrument DateMar 28, 2024
Instrument2024050582
Transaction TypeTransfer
Record UpdatedApr 10, 2024
Title CompanyLIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

AmountAmount on Record
Tax$335.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address12623 BAY ARBOR PL, LOUISVILLE, KY 40245-6453

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address12623 BAY ARBOR PL, LOUISVILLE, KY 40245-6453

June 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionJEFFERSON KY
Recording DateJun 12, 2020
Property Address12623 BAY ARBOR PL, COLDSTREAM, KY 40245-6453
Document Number0117070650
Book / Page011707 / 000650
Instrument DateJun 10, 2020
Instrument108885
Transaction TypeTransfer
Record UpdatedJun 25, 2020
Title CompanyLIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$249.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12623 BAY ARBOR PL LOUISVILLE KY 402456453, LOUISVILLE, KY 40245-6453

Mortgage

Document Number165940770
DateJun 12, 2020
Book Page016594/000770
Instrument108886
Lender
NameFIRST FIN'L BK&TR
TypeFunding / Finance Company
AddressCINCINNATI, OH 45246
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJun 11, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 12623 Bay Arbor Pl was $3,738.

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025

Property Jurisdictions

TypeName
StateKentucky
County / Consolidated CityLouisville/Jefferson County Metro Government
MunicipalityColdstream City
Unified School DistrictJefferson County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,738.00$335,000 Land $30,000 Building $305,000
2024$335,000 (+34.81%) Land $30,000 Building $305,000
2023$2,877.00 (-0.35%)$248,500 (-) Land $30,000 Building $218,500$248,500 (-) Land $30,000 Building $218,500
2022$2,887.00$248,500 Land $30,000 Building $218,500$248,500 Land $30,000 Building $218,500

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

Flood

FEMA maps place 12623 Bay Arbor Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 12623 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemLOUISVILLE WATER COMPANY
private · serves 806,997 people · EPA ID KY0560258
Water SourceSurface water
Last State InspectionOct 2023
Lead1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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

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