Oldham County property record for 1652 Harmony Pointe Cir, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $787,000 (Jun 2026) |
| Tax Bill | $6,386 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-04B-01-12 |
| Primary APN | 05-04B-01-12 |
|---|---|
| Alternative APN |
|
| Lot Area | 40,946 sqft (0.94 acres) |
|---|
| Account Number | 59600 |
|---|---|
| Street Address | 1652 HARMONY POINTE CIR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .94AC |
| Legal Subdivision | HARMONY POINTE SUB |
| Legal Block | SEC 1 |
| Legal Lot Number | 12 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 30801 |
Source: Oldham County records, as of July 7, 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 | 1507 47TH ST, IDAHO FALLS, ID 83401-6564 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed, Transfer · Conventional Mortgage TRUST COMPANY |
| Feb 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ENVOY MORTGAGE LTD |
| Jun 19, 2017 | Deed of Trust, Mortgage · Construction Mortgage THE FARMERS BANK OF MILTON |
| May 31, 2018 | Deed, Subdivision Related Transfer · Conventional Mortgage ENVOY MORTGAGE LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 2026 · Amount on Record |
| Deed Sale | Jun 26, 2026 · Amount on Record |
| Prior Sale | May 31, 2018 · Amount on Record |
| Deed Document Number | 2026869964 |
| Deed Book / Page | 1445 / 454 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jun 26, 2026 |
| Property Address | 1652 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | 0000869964 |
| Book / Page | 1445 / 454 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 2026869964 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $79,487.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 1507 47TH ST, IDAHO FALLS, ID 83401-6564 |
| Document Number | 0000869968, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 2026869968 |
| Name | TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1652 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2390/0687 |
|---|---|
| Date | Feb 5, 2020 |
| Book Page | M2390/0687 |
| Instrument | 563087 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 1652 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | M2264/115 |
|---|---|
| Date | Jun 19, 2017 |
| Book Page | M2264/115 |
| Instrument | 526193 |
| Name | THE FARMERS BANK OF MILTON |
|---|---|
| Type | Bank |
| Address | LA GRANGE, KY 40031 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jun 14, 2018 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | May 31, 2018 |
| Property Address | 1652 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | D1192/0274 |
| Book / Page | D1192 / 0274 |
| Map Reference | MB7 PG21 |
| Instrument Date | May 23, 2018 |
| Instrument | 539398 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW |
| 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 | 2306 EVERGREEN RD, 2306, LOUISVILLE, KY 40223-1316 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1652 HARMONY POINTE CIR, PROSPECT, KY 40059-5503 |
| Document Number | 539399 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 539399 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
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 | $6,386.00 (+2.45%) | $515,000 (+2.9%) Land $85,000 Building $430,000 | $515,000 (+2.9%) Land $85,000 Building $430,000 |
| 2023 | $6,233.00 | $500,500 Land $82,000 Building $418,500 | $500,500 Land $82,000 Building $418,500 |
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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