13904 N Harbor View Ct, Prospect, KY 40059 Property Records

Oldham County property record for 13904 N Harbor View Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,274 sqft · built 1986
Lot Size	0.988 acres (43,037 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Aug 2005)
Tax Bill	$3,752 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`04-02B-05-61`

Property Details

APN / Parcel Number

Primary APN	`04-02B-05-61`
Alternative APN	`37798`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,274 sqft Living Area
Basement Area	1,235 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	43,037 sqft (0.988 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	37798
Street Address	13904 N HARBOR VIEW CT
City	PROSPECT
State	KY
Zip	40059-9068
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .988AC
Legal Subdivision	CARDINAL HARBOUR
Legal Block	SEC 5
Legal Lot Number	61
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	3
Census Block	3021
Census Tract	30802

Owner

Source: Oldham County assessment roll, as of December 23, 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 File
Mailing Address	13904 N HARBOR VIEW CT, PROSPECT, KY 40059-9068
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST CO
Dec 26, 2018	Deed of Trust, Mortgage · Commercial Mortgage STOCK YARD BANK & TRUST CO

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 31, 2005 · Amount on Record
Deed Sale	Aug 31, 2005 · Amount on Record
Deed Document Number	2005336227
Deed Book / Page	844 / 483
Last Transfer Date	Dec 8, 2006
Transfer Doc	D886/003
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	13904 N HARBOR VIEW CT, PROSPECT, KY 40059-9068
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	ACUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2490/281
Date	Feb 10, 2021
Book Page	M2490/281
Instrument	619989

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	13904 N HARBOR VIEW CT, PROSPECT, KY 40059-9068
Transaction Type	Mortgage
Record Updated	Aug 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2355/0403
Date	Jul 9, 2019
Book Page	M2355/0403
Instrument	553973

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Jun 19, 2024

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	13904 N HARBOR VIEW CT, PROSPECT, KY 40059-9068
Transaction Type	Mortgage
Record Updated	Jan 10, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2332/0044
Date	Dec 26, 2018
Book Page	M2332/0044
Instrument	547158

Lender

Name	STOCK YARD BANK & TRUST CO
Type	Non-Lending Institution
Address	32890

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,752.00 (-26.65%) Homeowner's exemption	$350,000 (-14.63%) Land $80,000 Building $270,000	$350,000 (-14.63%) Land $80,000 Building $270,000
2023	$5,115.00	$410,000 Land $80,000 Building $330,000	$410,000 Land $80,000 Building $330,000

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 October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 58 policies
Nearby Flood Policies	58 in force
Nearby Flood Claims	214 (1978–2026)
Claims Outside the SFHA	19 of 214
Most Recent Claim	Jun 2026 · other causes
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 48 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 11 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 57 claims

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

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 at the parcel

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 52 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

Cell Coverage

5G and 4G LTE (outdoors only)

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