Oldham County property record for 1613 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Company Name on File |
| Last Sale | $540,728 (Nov 2021) |
| Tax Bill | $6,397 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-33 |
| Primary APN | 05-04B-01-33 |
|---|---|
| Alternative APN |
|
| Lot Area | 14,810 sqft (0.34 acres) |
|---|
| Account Number | 67714 |
|---|---|
| Street Address | 1613 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .34AC |
| Legal Subdivision | HARMONY POINTE SUBDIVISION |
| Legal Block | SEC 1 |
| Legal Lot Number | 33 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
1613 Harmony Pointe Cir is owned by a company that acquired it in March 2026 and is owner-occupied.
Source: Oldham County records, as of July 10, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1613 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
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 |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Line of Credit PARK FEDERAL CREDIT UNION |
| Nov 15, 2021 | Deed, Subdivision Related Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 2021 · Amount on File |
| Deed Sale | Nov 15, 2021 · Amount on File |
| Deed Document Number | 2021665273 |
| Deed Book / Page | 1309 / 255 |
| Last Transfer Date | Mar 9, 2026 |
| Transfer Doc | 0000851932 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jun 30, 2026 |
| Property Address | 1613 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 0000870395 |
| Book / Page | 2750 / 238 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 2026870395 |
| Transaction Type | Mortgage |
| Record Updated | Jul 10, 2026 |
| Title Company | NONA TITLE INC, NONA TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant, 269 |
| Document Number | 0000870395, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 2750/238 |
| Instrument | 2026870395 |
| Name | PARK FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 15, 2021 |
| Property Address | 1613 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 0D1309/255 |
| Book / Page | D1309 / 255 |
| Map Reference | MB 7 PG 21 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 665273 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 20, 2022 |
| Title Company | MONUMENTAL CITY TITLE COMPANY, MONUMENTAL TITLE COMPANY LLC |
| 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 | 6244 OLD LAGRANGE RD STE 15, 15, CRESTWOOD, KY 40014-7555 |
| Name | Verified Name |
|---|---|
| Address | 1613 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 0000665588 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 665588 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 135 Months |
| Due | Feb 1, 2033 |
The 2025 property tax bill for 1613 Harmony Pointe Cir was $6,397 with a homeowner's exemption.
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 | $6,397.00 Homeowner's exemption | $565,000 Land $85,000 Building $480,000 | $565,000 Land $85,000 Building $480,000 |
| 2023 | $6,157.00 Homeowner's exemption | $540,728 Land $79,000 Building $461,728 | $540,728 Land $79,000 Building $461,728 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1613 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 1613 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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