Louisville/Jefferson County Metro Government property record for 12702 Ledges Dr, Middletown, KY 40243
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,671 sqft · built 1983 |
| Lot Size | 0.233 acres (10,189 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $289,000 (Nov 2020) |
| Tax Bill | $3,225 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit Dec 2020 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22224400790000 |
| Primary APN | 22224400790000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,671 sqft Finished Area |
| Basement Area | 1,656 sqft |
| Finished Basement | 600 sqft |
| Flooring | Covered |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,189 sqft (0.233 acres) |
| Garage Type | Basement |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 295 sqft |
| Patio Area | 14 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 00088989 |
|---|---|
| Street Address | 12702 LEDGES DR |
| City | MIDDLETOWN |
| State | KY |
| Zip | 40243-2081 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6-RESIDENTIAL MULTI-FAMI |
| Legal Description | TOWNE CREEK SUB SEC 2-A |
| Legal Subdivision | TOWNE CREEK |
| Legal Lot Number | 79 |
| Jurisdiction | JEFFERSON KY |
| Township / Civil Division | SOUTHEAST JEFFERSON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10407 |
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 | 12702 LEDGES DR, LOUISVILLE, KY 40243-2081 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BANK |
| Dec 18, 2020 | Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BK |
| Nov 10, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATEWIDE MTG |
| May 15, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS UNION BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 10, 2020 · Amount on Record |
| Deed Sale | Nov 10, 2020 · Amount on Record |
| Deed Document Number | 0011842116 |
| Deed Book / Page | 11842 / 116 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12702 LEDGES DR, MIDDLETOWN, KY 40243-2081 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2023 |
| Title Company | LOUISVILLE TITLE AGENCY, LOUISVILLE TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 12702 LEDGES DR, LOUISVILLE, KY 40243-2081 |
| Investor | Possibly a Property Investor |
| Document Number | 0000227254 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | M 17640/816 |
| Instrument | 2021227254 |
| Name | CITIZENS UNION BANK |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40223 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Aug 27, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12702 LEDGES DR, MIDDLETOWN, KY 40243-2081 |
| Document Number | 0170530611 |
| Instrument Date | Dec 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2021 |
| Title Company | LOUISVILLE TITLE AGENCY, LOUISVILLE TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12702 LEDGES DR LOUISVILLE KY 402432081, LOUISVILLE, KY 40243-2081 |
| Document Number | 0170530611 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 017053/000611 |
| Instrument | 281869 |
| Name | CITIZENS UNION BK |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40223 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 29, 2030 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Recording Date | Nov 10, 2020 |
| Property Address | 12702 LEDGES DR, MIDDLETOWN, KY 40243-2081 |
| Document Number | 0118420116 |
| Book / Page | 011842 / 000116 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 242205 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2020 |
| Title Company | ROCKET TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12702 LEDGES DR LOUISVILLE KY 402432081, LOUISVILLE, KY 40243-2081 |
| Document Number | 169390615 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 016939/000615 |
| Instrument | 242206 |
| Name | STATEWIDE MTG |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 9, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JEFFERSON KY |
| Property Address | 12702 LEDGES DR, MIDDLETOWN, KY 40243-2081 |
| Document Number | 0155370303 |
| Instrument Date | May 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2018 |
| Title Company | S AND B TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12702 LEDGES DR LOUISVILLE KY 402432081, LOUISVILLE, KY 40243-2081 |
| Document Number | 0155370303 |
|---|---|
| Date | May 25, 2018 |
| Book Page | 015537/000303 |
| Instrument | 121656 |
| Name | CITIZENS UNION BK |
|---|---|
| Type | Bank |
| Address | OWENTON, KY 40359 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 24, 2028 |
| Rate Type | Adjustable Rate |
|---|
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 | Middletown City |
| Unified School District | Jefferson County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,225.00 (-3.62%) | $289,000 (-) Land $35,000 Building $254,000 | |
| 2024 | $289,000 (-) Land $35,000 Building $254,000 | ||
| 2023 | $3,346.00 (-0.36%) | $289,000 (-) Land $35,000 Building $254,000 | $289,000 (-) Land $35,000 Building $254,000 |
| 2022 | $3,358.00 | $289,000 Land $35,000 Building $254,000 | $289,000 Land $35,000 Building $254,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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.
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 178 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| T-Mobile Fiber · Fixed Wireless | 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 |
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