Oldham County property record for 1611 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.419 acres (18,295 sqft) |
| Owner | Individual Name on File |
| Last Sale | $443,200 (Aug 2018) |
| Tax Bill | $6,017 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Aug 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-34 |
| Primary APN | 05-04B-01-34 |
|---|---|
| Alternative APN |
|
| Lot Area | 18,295 sqft (0.419 acres) |
|---|
| Account Number | 60145 |
|---|---|
| Street Address | 1611 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .42 AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 34 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
1611 Harmony Pointe Cir is owned and occupied by an individual who bought it in August 2018.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1611 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| 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.
| Date | Document |
|---|---|
| Oct 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Aug 2, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CENTURY LENDING CO |
| Apr 6, 2018 | Deed, Transfer · Commercial Mortgage WILSON & MUIR BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 2, 2018 · Amount on File |
| Deed Sale | Aug 2, 2018 · Amount on File |
| Prior Sale | Apr 6, 2018 · Amount on File |
| Deed Document Number | 542000 |
| Deed Book / Page | D1197 / 0493 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1611 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M2457/913 |
|---|---|
| Date | Oct 14, 2020 |
| Book Page | M2457/913 |
| Instrument | 600293 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Aug 2, 2018 |
| Property Address | 1611 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | D1197/0493 |
| Book / Page | D1197 / 0493 |
| Map Reference | MB7 PG21 |
| Instrument Date | Jul 26, 2018 |
| Instrument | 542000 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 10, 2022 |
| Title Company | EXECUTIVE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14411 RIVER GLADES LN, 14411, PROSPECT, KY 40059-8076 |
| Name | Verified Name |
|---|---|
| Address | 1611 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 0000542001 |
|---|---|
| Date | Aug 2, 2018 |
| Instrument | 542001 |
| Name | CENTURY LENDING CO |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 6, 2018 |
| Property Address | 1611 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | D1188/0155 |
| Book / Page | D1188 / 0155 |
| Map Reference | MB7 PG21 |
| Instrument Date | Apr 3, 2018 |
| Instrument | 537396 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10720 ELKINGTON LN, 10720, LOUISVILLE, KY 40241-2313 |
| Name | Verified Name |
|---|---|
| Address | 14411 RIVER GLADES LN, PROSPECT, KY 40059-8076 |
| Document Number | 0000537397 |
|---|---|
| Date | Apr 6, 2018 |
| Instrument | 537397 |
| Name | WILSON & MUIR BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Apr 3, 2019 |
The 2025 property tax bill for 1611 Harmony Pointe Cir was $6,017.
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 | $6,017.00 | $485,000 Land $85,000 Building $400,000 | $485,000 Land $85,000 Building $400,000 |
| 2023 | $5,522.00 | $443,000 Land $78,000 Building $365,000 | $443,000 Land $78,000 Building $365,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1611 Harmony Pointe Cir in Zone X, an area of minimal flood risk, though there have been 776 flood claims nearby since 1978.
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 File 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.
Wildfire risk around 1611 Harmony Pointe Cir 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 | 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 |
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