Oldham County property record for 1650 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.389 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $525,000 (Aug 2018) |
| Tax Bill | $7,247 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit Jun 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-11 |
| Primary APN | 05-04B-01-11 |
|---|---|
| Alternative APN |
|
| Lot Area | 16,988 sqft (0.389 acres) |
|---|
| Account Number | 60188 |
|---|---|
| Street Address | 1650 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & .39 AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 11 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
1650 Harmony Pointe Cir is owned and occupied by an individual who bought it in August 2018.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| 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 |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 19, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Apr 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 20, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 29, 2019 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Aug 7, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 7, 2018 · Amount on File |
| Deed Sale | Aug 7, 2018 · Amount on File |
| Deed Document Number | 542195 |
| Deed Book / Page | D1198 / 0125 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2532/374 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | M2532/374 |
| Instrument | 647807 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WINSTON SALEM, NC 27101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 298 Months |
| Due | May 24, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2352/0438 |
|---|---|
| Date | Jun 19, 2019 |
| Book Page | M2352/0438 |
| Instrument | 553206 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2405/537 |
|---|---|
| Date | Apr 16, 2020 |
| Book Page | M2405/537 |
| Instrument | 569330 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2459/506 |
|---|---|
| Date | Oct 20, 2020 |
| Book Page | M2459/506 |
| Instrument | 601356 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2358/0913 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | M2358/0913 |
| Instrument | 554878 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 16, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Aug 7, 2018 |
| Property Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | D1198/0125 |
| Book / Page | D1198 / 0125 |
| Map Reference | NB7 PG21 |
| Instrument Date | Aug 2, 2018 |
| Instrument | 542195 |
| 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 | 12311 RIDGEVIEW DR, 12311, GOSHEN, KY 40026-9444 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1650 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | 542196 |
|---|---|
| Date | Aug 7, 2018 |
| Instrument | 542196 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
The 2025 property tax bill for 1650 Harmony Pointe Cir was $7,247.
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 | $7,247.00 | $585,000 Land $85,000 Building $500,000 | $585,000 Land $85,000 Building $500,000 |
| 2023 | $6,943.00 | $558,000 Land $78,000 Building $480,000 | $558,000 Land $78,000 Building $480,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1650 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 1650 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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