Oldham County property record for 1629 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.439 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $515,000 (Jan 2021) |
| Tax Bill | $6,632 (2025) |
| Deeds & Mortgages | Apr 2018 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-25 |
| Primary APN | 05-04B-01-25 |
|---|---|
| Alternative APN |
|
| Lot Area | 19,166 sqft (0.439 acres) |
|---|
| Account Number | 65629 |
|---|---|
| Street Address | 1629 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .44AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 25 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
Source: Oldham County records · APN 05-04B-01-25
Assessment roll updated July 1, 2025 · Last verified January 2026
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 | 1629 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2018 | Deed of Trust, Mortgage · Commercial Mortgage WILSON & MUIR BANK & TRUST CO |
| Oct 22, 2019 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 05, 2021 | Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC |
| Oct 05, 2018 | Warranty Deed, Subdivision Related Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 05, 2021 · Amount on Record |
| Deed Sale | Jan 05, 2021 · Amount on Record |
| Prior Sale | Oct 05, 2018 · Amount on Record |
| Deed Document Number | 614079 |
| Deed Book / Page | D1274 / 122 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1629 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2300/0874 |
|---|---|
| Date | Apr 06, 2018 |
| Book Page | M2300/0874 |
| Instrument | 537395 |
| Name | WILSON & MUIR BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40207 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 03, 2019 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1629 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR |
| Name | Verified Name |
|---|
| Document Number | M2374/0521 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | M2374/0521 |
| Instrument | 558856 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jan 05, 2021 |
| Property Address | 1629 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | D1274/122 |
| Book / Page | D1274 / 122 |
| Map Reference | MB 7 PG 21 |
| Instrument Date | Dec 29, 2020 |
| Instrument | 614079 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2607 MUSTANG DR, 2607, MEAD, CO 80542-4034 |
| Name | Verified Name |
|---|---|
| Address | 1629 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 614080 |
|---|---|
| Date | Jan 05, 2021 |
| Instrument | 614080 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Oct 05, 2018 |
| Property Address | 1629 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | D1202/0395 |
| Book / Page | D1202 / 0395 |
| Map Reference | MB7 PG21 |
| Instrument Date | Oct 02, 2018 |
| Instrument | 544486 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| 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 | 1629 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 544487 |
|---|---|
| Date | Oct 05, 2018 |
| Instrument | 544487 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,632.00 (+3.43%) | $535,000 (+3.88%) Land $85,000 Building $450,000 | $535,000 (+3.88%) Land $85,000 Building $450,000 |
| 2023 | $6,412.00 | $515,000 Land $79,500 Building $435,500 | $515,000 Land $79,500 Building $435,500 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), as of October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850308011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 95 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system KY0560258, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | LOUISVILLE WATER COMPANY private · serves 806,997 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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