1645 Harmony Pointe Cir, Prospect, KY 40059 Property Records

Oldham County property record for 1645 Harmony Pointe Cir, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Lot Size	0.31 acres (13,504 sqft)
Owner	Company Name on Record
Tax Bill	$6,940 (2025)
Deeds & Mortgages	Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-04B-01-17`

Property Details

APN / Parcel Number

Primary APN	`05-04B-01-17`
Alternative APNs	`64767` `74854`

Exterior

Lot Area	13,504 sqft (0.31 acres)

Location & Zoning

Account Number	74854
Street Address	1645 HARMONY POINTE CIR
City	PROSPECT
State	KY
Zip	40059-5507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .31 AC
Legal Block	SEC 1
Legal Lot Number	17
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1019
Census Tract	30801

Owner

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	Company Name on Record
Mailing Address	1645 HARMONY POINTE CIR, PROSPECT, KY 40059-5507
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2025
Deed Sale	May 28, 2025
Prior Sale	Dec 21, 2017 · Amount on Record
Deed Document Number	809243
Deed Book / Page	D1411 / 215
Record Updated	Jun 8, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Dec 21, 2017
Property Address	1645 HARMONY POINTE CIR, PROSPECT, KY 40059-5507
Document Number	D1180/479
Book / Page	D1180 / 479
Map Reference	MB7 PG21
Instrument Date	Dec 15, 2017
Instrument	533976
Transaction Type	Transfer
Record Updated	Nov 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6102 BREEZE HILL RD, 6102, CRESTWOOD, KY 40014-8991

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7610 POLLOCK AVE, PEWEE VALLEY, KY 40056-9113

Mortgage

Document Number	533977
Date	Dec 21, 2017
Instrument	533977

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 15, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,940.00 (+3.37%)	$560,000 (+3.8%) Land $85,000 Building $475,000	$560,000 (+3.8%) Land $85,000 Building $475,000
2023	$6,714.00	$539,500 Land $78,500 Building $461,000	$539,500 Land $78,500 Building $461,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 70 claims Severe Storms, Tornadoes, And Flooding, May 2011 · 78 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 105 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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