14202 Harbour Pl, Prospect, KY 40059 Property Records

Oldham County property record for 14202 Harbour Pl, Prospect, KY 40059

Property Summary

Property Type	Townhouse
Details	2 bd · 1.5 ba · 1,332 sqft · built 1978
Lot Size	0.054 acres (2,353 sqft)
Owner	Individual Name on File
Last Sale	$129,500 (Sep 2006)
Tax Bill	$2,510 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-02B-02B-154`

Property Details

APN / Parcel Number

Primary APN	`04-02B-02B-154`
Alternative APN	`44316`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,332 sqft Living Area
Basement Area	665 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Townhouse
Exterior Material	Wood
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	2,353 sqft (0.054 acres)

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	44316
Street Address	14202 HARBOUR PL
City	PROSPECT
State	KY
Zip	40059-8008
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	TOWNHOUSE
Legal Subdivision	CARDINAL HARBOUR
Legal Block	SEC 2B
Legal Lot Number	154
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	3
Census Block	3021
Census Tract	30802

Owner

14202 Harbour Pl, a townhouse, is owned and occupied by an individual who bought it in September 2006.

Source: Oldham County records, as of June 26, 2026

Owner of Record	Individual Name on File
Mailing Address	14202 HARBOUR PL, PROSPECT, KY 40059-8008
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · FHA Mortgage IMPERIAL LENDING LLC
May 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2006 · Amount on File
Deed Sale	Sep 21, 2006 · Amount on File
Deed Document Number	2006357143
Deed Book / Page	877 / 531
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Recording Date	Jun 16, 2026
Property Address	14202 HARBOUR PL, PROSPECT, KY 40059-8008
Document Number	0000868168
Book / Page	2748 / 490
Instrument Date	Jun 10, 2026
Instrument	2026868168
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14202 HARBOUR PL, PROSPECT, KY 40059-8008

Mortgage

Document Number	0000868168,
Date	Jun 16, 2026
Book Page	2748/490
Instrument	2026868168

Lender

Name	IMPERIAL LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	14202 HARBOUR PL, PROSPECT, KY 40059-8008
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2417/365
Date	May 29, 2020
Book Page	M2417/365
Instrument	575680

Lender

Name	QUICKEN LOANS INC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 14202 Harbour Pl was $2,510.

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	$2,510.00	$200,000 Land $40,000 Building $160,000	$200,000 Land $40,000 Building $160,000
2023	$1,656.00	$130,000 Land $35,000 Building $95,000	$130,000 Land $35,000 Building $95,000

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

Flood

FEMA maps place 14202 Harbour Pl in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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

Wildfire risk around 14202 Harbour 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 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.

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 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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