Oldham County property record for 1641 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $725,000 (May 2026) |
| Tax Bill | $6,405 (2025) |
| Deeds & Mortgages | May 2026 Sale Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-19 |
| Primary APN | 05-04B-01-19 |
|---|---|
| Alternative APN |
|
| Lot Area | 13,504 sqft (0.31 acres) |
|---|
| Account Number | 67996 |
|---|---|
| Street Address | 1641 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .31AC |
| Legal Subdivision | HARMONY POINTE SUB |
| Legal Block | SEC 1 |
| Legal Lot Number | 19 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
Source: Oldham County records, as of May 20, 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 Record |
|---|---|
| Mailing Address | 1641 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| May 11, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Nov 21, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 11, 2022 | Warranty Deed, Subdivision Related Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on Record |
| Deed Sale | May 11, 2026 · Amount on Record |
| Prior Sale | Sep 8, 2017 · Amount on Record |
| Deed Document Number | 2026862398 |
| Deed Book / Page | 1440 / 515 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | May 11, 2026 |
| Property Address | 1641 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 0000862398 |
| Book / Page | 1440 / 515 |
| Instrument Date | May 11, 2026 |
| Instrument | 2026.862398 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $73,225.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1641 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1641 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1641 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 0M2608/854 |
|---|---|
| Date | Nov 21, 2022 |
| Book Page | M2608/854 |
| Instrument | 713442 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 15, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jan 11, 2022 |
| Property Address | 1641 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 0D1315/290 |
| Book / Page | D1315 / 290 |
| Map Reference | MB 7 PG 21 |
| Instrument Date | Jan 6, 2022 |
| Instrument | 673440 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 12, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14411 RIVER GLADES LN, PROSPECT, KY 40059-8076 |
| Name | Verified Name |
|---|---|
| Address | 1641 HARMONY POINTE CIRCLE, GOSHEN, KY 40026 |
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 | $6,405.00 (+2.41%) | $516,500 (+2.84%) Land $76,500 Building $440,000 | $516,500 (+2.84%) Land $76,500 Building $440,000 |
| 2023 | $6,254.00 | $502,240 Land $76,500 Building $425,740 | $502,240 Land $76,500 Building $425,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: 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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