Oldham County property record for 1630 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $560,000 (Feb 2026) |
| Tax Bill | $8,422 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Sep 2020 Sale & Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-42 |
| Primary APN | 05-04B-01-42 |
|---|---|
| Alternative APN |
|
| Lot Area | 12,197 sqft (0.28 acres) |
|---|
| Account Number | 63319 |
|---|---|
| Street Address | 1630 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .28AC |
| Legal Subdivision | HARMONY POINTE SUBDIVISION |
| Legal Block | SEC 1 |
| Legal Lot Number | 42 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 30801 |
1630 Harmony Pointe Cir is owned and occupied by two individuals who bought it in February 2026.
Source: Oldham County records, as of April 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1630 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Feb 19, 2026 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 29, 2020 | Deed, Transfer · Line of Credit RIVER CITY BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on File |
| Deed Sale | Feb 19, 2026 · Amount on File |
| Prior Sale | Sep 29, 2020 · Amount on File |
| Deed Document Number | 2026849036 |
| Deed Book / Page | 1433 / 449 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 19, 2026 |
| Property Address | 1630 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | 0D1433/449 |
| Book / Page | D1433 / 449 |
| Map Reference | MB 7 PG 21 |
| Instrument Date | Feb 13, 2026 |
| Instrument | 849036 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $560.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8217 DICKINSON DR APT 118, 118, LOUISVILLE, KY 40241-6181 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1630 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | 0000849039 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 849039 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Sep 29, 2020 |
| Property Address | 1630 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | 0D1262/567 |
| Book / Page | D1262 / 567 |
| Map Reference | MB 7 PG 21 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 597441 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2024 |
| 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 | 471 WEST CT, LOUISVILLE, KY 40203-1852 |
| Name | Verified Name |
|---|---|
| Address | 3206 NEVEL MEADE DR, PROSPECT, KY 40059-8510 |
| Document Number | 0000597442 |
|---|---|
| Date | Sep 29, 2020 |
| Instrument | 597442 |
| Name | RIVER CITY BANK INC |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 6 Months |
| Due | Mar 24, 2021 |
The 2025 property tax bill for 1630 Harmony Pointe Cir was $8,422.
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 | $8,422.00 | $680,500 Land $80,500 Building $600,000 | $680,500 Land $80,500 Building $600,000 |
| 2023 | $994.00 | $80,500 Land $80,500 | $80,500 Land $80,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1630 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 1630 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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