Oldham County property record for 1631 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Last Sale | $485,000 (Mar 2019) |
| Tax Bill | $5,659 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Oct 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-24 |
| Primary APN | 05-04B-01-24 |
|---|---|
| Alternative APN |
|
| Lot Area | 18,731 sqft (0.43 acres) |
|---|
| Account Number | 61623 |
|---|---|
| Street Address | 1631 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .43 AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 24 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
1631 Harmony Pointe Cir is owned and occupied by an individual who bought it in March 2019.
Source: Oldham County records, as of December 22, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1631 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 29, 2018 | Deed of Trust, Mortgage · Commercial Mortgage LIMESTONE BANK INC |
| Oct 21, 2020 | Deed of Trust, Mortgage · VA Mortgage CALIBER HOME LOANS INC |
| Jan 23, 2020 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Mar 18, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 18, 2019 · Amount on File |
| Deed Sale | Mar 18, 2019 · Amount on File |
| Deed Document Number | 549695 |
| Deed Book / Page | D1213 / 0238 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1631 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2326/0330 |
|---|---|
| Date | Oct 29, 2018 |
| Book Page | M2326/0330 |
| Instrument | 545271 |
| Name | LIMESTONE BANK INC |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40223 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Oct 19, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1631 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2459/702 |
|---|---|
| Date | Oct 21, 2020 |
| Book Page | M2459/702 |
| Instrument | 601449 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | DALLAS, TX 75219 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1631 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TTL OF OR |
| Name | Verified Name |
|---|
| Document Number | M2388/0920 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | M2388/0920 |
| Instrument | 562429 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Mar 18, 2019 |
| Property Address | 1631 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | D1213/0238 |
| Book / Page | D1213 / 0238 |
| Map Reference | MB 7 PG 21 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 549695 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 16, 2021 |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1631 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 549696 |
|---|---|
| Date | Mar 18, 2019 |
| Instrument | 549696 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2049 |
The 2025 property tax bill for 1631 Harmony Pointe Cir was $5,659 with a homeowner's exemption.
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 | $5,659.00 Homeowner's exemption | $505,000 Land $85,000 Building $420,000 | $505,000 Land $85,000 Building $420,000 |
| 2023 | $5,469.00 Homeowner's exemption | $485,000 Land $79,500 Building $405,500 | $485,000 Land $79,500 Building $405,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1631 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 1631 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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