Oldham County property record for 13005 Reading Rd, Goshen, KY 40026
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 4,821 sqft · built 1997 |
| Lot Size | 1.09 acres (47,480 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,678 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-05A-00-38 |
| Primary APN | 05-05A-00-38 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 4,821 sqft Living Area |
| Fireplaces | 4 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 47,480 sqft (1.09 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 4942 |
|---|---|
| Street Address | 13005 READING RD |
| City | GOSHEN |
| State | KY |
| Zip | 40026-9796 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1.09AC |
| Legal Lot Number | 38 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 30801 |
Source: Oldham County records, as of December 22, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 13005 READING RD, GOSHEN, KY 40026-9796 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO |
| Apr 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 516-036 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 13005 READING RD, GOSHEN, KY 40026-9796 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2021 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | M2540/69 |
|---|---|
| Date | Aug 31, 2021 |
| Book Page | M2540/69 |
| Instrument | 653013 |
| Name | COMMONWEALTH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 13005 READING RD, GOSHEN, KY 40026-9796 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2020 |
| Title Company | LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2402/838 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | M2402/838 |
| Instrument | 567923 |
| Name | COMMONWEALTH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 1, 2035 |
Source: Oldham County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,678.00 (+6.42%) | $620,000 (+6.9%) Land $80,000 Building $540,000 | $620,000 (+6.9%) Land $80,000 Building $540,000 |
| 2023 | $7,215.00 | $580,000 Land $80,000 Building $500,000 | $580,000 Land $80,000 Building $500,000 |
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 October 15, 2025 · 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 |
| Flood Insurance Cost | Premium on Record median of 93 policies |
| Nearby Flood Policies | 93 in force |
| Nearby Flood Claims | 776 (1978–2025) |
| Claims Outside the SFHA | 47 of 776 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 65 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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