Oldham County property record for 1649 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $613,500 (Dec 2017) |
| Tax Bill | $7,001 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jan 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-15 |
| Primary APN | 05-04B-01-15 |
|---|---|
| Alternative APN |
|
| Lot Area | 13,504 sqft (0.31 acres) |
|---|
| Account Number | 58682 |
|---|---|
| Street Address | 1649 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .31AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 15 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
1649 Harmony Pointe Cir is owned and occupied by an individual who bought it in December 2017.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1649 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| May 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| Jan 16, 2019 | Deed of Trust, Mortgage · Commercial Mortgage STOCK YARDS BANK & TRUST CO |
| Dec 28, 2017 | Deed, Subdivision Related Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 28, 2017 · Amount on File |
| Deed Sale | Dec 28, 2017 · Amount on File |
| Deed Document Number | 534145 |
| Deed Book / Page | D1181 / 131 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1649 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AGENCY TITLE INC |
| Name | Verified Name |
|---|
| Document Number | M2415/240 |
|---|---|
| Date | May 20, 2020 |
| Book Page | M2415/240 |
| Instrument | 574412 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Index | 6-Month T-Bill |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1649 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2019 |
| Name | Verified Name |
|---|
| Document Number | M2334/0554 |
|---|---|
| Date | Jan 16, 2019 |
| Book Page | M2334/0554 |
| Instrument | 547941 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 28, 2017 |
| Property Address | 1649 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | D1181/131 |
| Book / Page | D1181 / 131 |
| Map Reference | MB7 PG21 |
| Instrument Date | Dec 28, 2017 |
| Instrument | 534145 |
| 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 | $613.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 19467, LOUISVILLE, KY 40259-0467 |
| Name | Verified Name |
|---|---|
| Address | 1649 HARMONY POINTE CIR, PROSPECT, KY 40059-5507 |
| Document Number | 534147 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 534147 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
The 2025 property tax bill for 1649 Harmony Pointe Cir was $7,001.
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 | $7,001.00 | $565,000 Land $85,000 Building $480,000 | $565,000 Land $85,000 Building $480,000 |
| 2023 | $6,653.00 | $534,500 Land $79,500 Building $455,000 | $534,500 Land $79,500 Building $455,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1649 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 1649 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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