12818 Ledges Dr, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 12818 Ledges Dr, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,029 sqft · built 1988
Lot Size	0.245 acres (10,655 sqft)
Owner	2 Individual Names on File
Last Sale	$234,900 (Sep 2015)
Tax Bill	$2,773 (2025)
Deeds & Mortgages	Aug 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22224400930000`

Property Details

APN / Parcel Number

Primary APN	`22224400930000`
Alternative APNs	`224400930000` `00087613`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,029 sqft Finished Area
Flooring	Covered
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood Siding
Construction Type	Wood
Foundation Type	Raised
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,655 sqft (0.245 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	564 sqft
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00087613
Street Address	12818 LEDGES DR
City	LOUISVILLE
State	KY
Zip	40243-2083
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6-RESIDEN
Legal Description	LOT 93 TOWNE CREEK SUBDIVISION, SEC. 2A, PB. 34, PGS. 54-55, 0.2446 AC +/-
Legal Subdivision	TOWNE CREEK
Legal Lot Number	93
Jurisdiction	JEFFERSON KY
Township / Civil Division	SOUTHEAST JEFFERSON
Census Block Group	2
Census Block	2002
Census Tract	10407

Owner

12818 Ledges Dr is owned and occupied by two individuals who acquired it in August 2026.

Source: Louisville/Jefferson County Metro Government records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12818 LEDGES DR, LOUISVILLE, KY 40243-2083
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2015 · Amount on File
Deed Sale	Sep 15, 2015 · Amount on File
Deed Document Number	2015123422
Deed Book / Page	10466 / 749
Last Transfer Date	Aug 4, 2026
Transfer Doc	0000098979
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Aug 11, 2026
Property Address	12818 LEDGES DR, LOUISVILLE, KY 40243-2083
Document Number	0000098979
Book / Page	13392 / 632
Instrument Date	Aug 4, 2026
Instrument	202698979
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	ESSENT TITLE INSURANCE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12818 LEDGES DR, LOUISVILLE, KY 40243-2083
Investor	Possibly a Property Investor

Mortgage

Document Number	0000099252,
Date	Aug 11, 2026
Book Page	19929/69
Instrument	202699252

Lender

Name	USAA FSB

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 12818 Ledges Dr was $2,773.

Source: Louisville/Jefferson County Metro Government assessment roll, as of December 16, 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	$2,773.00	$248,550 Land $48,500 Building $200,050
2024			$248,550 (-) Land $48,500 Building $200,050
2023	$2,878.00 (-0.35%)	$248,550 (-) Land $48,500 Building $200,050	$248,550 (-) Land $48,500 Building $200,050
2022	$2,888.00	$248,550 Land $48,500 Building $200,050	$248,550 Land $48,500 Building $200,050

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

Flood

FEMA maps place 12818 Ledges Dr in Zone X, an area of minimal flood risk.

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
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

Wildfire risk around 12818 Ledges Dr is low, with less than 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 93% of the US · lower than 92% 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 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