2303 Winterhaven Ct, Prospect, KY 40059 Property Records

Oldham County property record for 2303 Winterhaven Ct, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,098 sqft · built 1997
Lot Size	1.09 acres (47,741 sqft)
Owner	Individual Name on File
Last Sale	$702,500 (May 2024)
Tax Bill	$8,693 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-14C-01-97`

Property Details

APN / Parcel Number

Primary APN	`05-14C-01-97`
Alternative APNs	`51229` `72823`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,098 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	47,741 sqft (1.09 acres)
Garage Type	Basement
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	72823
Street Address	2303 WINTERHAVEN CT
City	PROSPECT
State	KY
Zip	40059-9093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & 1.096AC
Legal Block	SEC 1
Legal Lot Number	97
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1007
Census Tract	30701

Owner

2303 Winterhaven Ct is owned and occupied by an individual who bought it in May 2024.

Source: Oldham County records, as of December 22, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2303 WINTERHAVEN CT, PROSPECT, KY 40059-9093
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2024 · Amount on File
Deed Sale	May 10, 2024 · Amount on File
Deed Document Number	763642
Deed Book / Page	D1382 / 125
Record Updated	Jun 8, 2026

May 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	May 10, 2024
Property Address	2303 WINTERHAVEN CT, PROSPECT, KY 40059-9093
Document Number	0D1382/125
Book / Page	D1382 / 125
Map Reference	MB 4 PG 46
Instrument Date	May 7, 2024
Instrument	763642
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$702.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 PELLETIER LOOP RD, SWANSBORO, NC 28584-7502

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2303 WINTERHAVEN CT, PROSPECT, KY 40059-9093

Mortgage

Document Number	0000763645
Date	May 10, 2024
Instrument	763645

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	5.75%
Max Rate At Change	8.75%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.7%

Tax Assessment & Valuation

The 2025 property tax bill for 2303 Winterhaven Ct was $8,693.

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	$8,693.00	$702,500 Land $80,000 Building $622,500	$702,500 Land $80,000 Building $622,500
2023	$4,171.00 Homeowner's exemption	$380,000 Land $80,000 Building $300,000	$380,000 Land $80,000 Building $300,000

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

Flood

FEMA maps place 2303 Winterhaven Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides

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

Wildfire risk around 2303 Winterhaven Ct 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.

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 11 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