Oldham County property record for 1646 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $440,464 (Apr 2017) |
| Tax Bill | $5,894 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-9 |
| Primary APN | 05-04B-01-9 |
|---|---|
| Alternative APN |
|
| Lot Area | 18,295 sqft (0.42 acres) |
|---|
| Account Number | 57204 |
|---|---|
| Street Address | 1646 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .42AC |
| Legal Subdivision | HARMONY POINTE SUB |
| Legal Block | SEC 1 |
| Legal Lot Number | 9 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
Source: Oldham County records, as of April 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1646 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 23, 2026 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| May 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Apr 27, 2017 | Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 27, 2017 · Amount on Record |
| Deed Sale | Apr 27, 2017 · Amount on Record |
| Deed Document Number | 2017524247 |
| Deed Book / Page | 1159 / 323 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1646 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1646 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | 0M2736/548 |
|---|---|
| Date | Mar 23, 2026 |
| Book Page | M2736/548 |
| Instrument | 854054 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 16, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1646 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2020 |
| Name | Verified Name |
|---|
| Document Number | M2416/987 |
|---|---|
| Date | May 28, 2020 |
| Book Page | M2416/987 |
| Instrument | 575556 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 27, 2017 |
| Property Address | 1646 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | D1159/323 |
| Book / Page | D1159 / 323 |
| Map Reference | MB7 PG21 |
| Instrument Date | Apr 18, 2017 |
| Instrument | 524247 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7610 POLLOCK AVE, 7610, PEWEE VALLEY, KY 40056-9113 |
| Name | Verified Name |
|---|---|
| Address | 1646 HARMONY POINTE CIR, GOSHEN, KY 40026 |
| Document Number | 524248 |
|---|---|
| Date | Apr 27, 2017 |
| Instrument | 524248 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
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 | $5,894.00 (+7.34%) | $475,000 (+7.83%) Land $85,000 Building $390,000 | $475,000 (+7.83%) Land $85,000 Building $390,000 |
| 2023 | $5,491.00 | $440,500 Land $78,000 Building $362,500 | $440,500 Land $78,000 Building $362,500 |
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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