Oldham County property record for 1609 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $538,868 (Feb 2021) |
| Tax Bill | $6,878 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2020 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-35 |
| Primary APN | 05-04B-01-35 |
|---|---|
| Alternative APN |
|
| Lot Area | 21,344 sqft (0.49 acres) |
|---|
| Account Number | 65892 |
|---|---|
| Street Address | 1609 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .49AC |
| Legal Subdivision | HAMRONY POINTE SUBDIVSIION |
| Legal Block | SEC 1 |
| Legal Lot Number | 35 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
Source: Oldham County records, as of March 24, 2026
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 | 1609 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2026 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 19, 2020 | Deed of Trust, Mortgage · Construction Mortgage STOCK YARDS BANK & TRUST CO |
| Feb 8, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2021 · Amount on Record |
| Deed Sale | Feb 8, 2021 · Amount on Record |
| Prior Sale | May 19, 2020 · Amount on Record |
| Deed Document Number | 2021619563 |
| Deed Book / Page | 1277 / 363 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1609 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1609 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | M2734/1009 |
|---|---|
| Date | Mar 11, 2026 |
| Book Page | M2734/1009 |
| Instrument | 852197 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 4, 2066 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1609 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Nov 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2414/930 |
|---|---|
| Date | May 19, 2020 |
| Book Page | M2414/930 |
| Instrument | 574295 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 8, 2021 |
| Property Address | 1609 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | D1277/363 |
| Book / Page | D1277 / 363 |
| Map Reference | MB 7 PG 21 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 619563 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12720 ANTONE PKWY, 12720, LOUISVILLE, KY 40220 |
| Name | Verified Name |
|---|---|
| Address | 1609 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 619564 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 619564 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
Source: Oldham County assessment roll, as of December 23, 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 | $6,878.00 (+2.53%) | $555,000 (+2.97%) Land $85,000 Building $470,000 | $555,000 (+2.97%) Land $85,000 Building $470,000 |
| 2023 | $6,708.00 | $539,000 Land $79,000 Building $460,000 | $539,000 Land $79,000 Building $460,000 |
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 | 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 95 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures