405 Bermuda Way, Middletown (Louisville), KY 40243 Property Records

Louisville/Jefferson County Metro Government property record for 405 Bermuda Way, Middletown, KY 40243

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,623 sqft · built 1973
Lot Size	0.223 acres (9,714 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Sep 2021)
Tax Bill	$2,575 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21162600460000`

Property Details

APN / Parcel Number

Primary APN	`21162600460000`
Alternative APNs	`162600460000` `00067054`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,623 sqft Finished Area
Basement Area	1,323 sqft
Finished Basement	661 sqft
Flooring	Covered
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Raised
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,714 sqft (0.223 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	00067054
Street Address	405 BERMUDA WAY
City	MIDDLETOWN
State	KY
Zip	40243-1509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R7-RESIDENTIAL MULTI-FAMI
Legal Description	STARVIEW ESTATES
Legal Subdivision	VIEW ESTATES
Legal Lot Number	46
Jurisdiction	JEFFERSON KY
Township / Civil Division	EAST JEFFERSON
Census Block Group	4
Census Block	4027
Census Tract	10406

Owner

405 Bermuda Way is owned and occupied by an individual who bought it in September 2021.

Source: Louisville/Jefferson County Metro Government records, as of December 15, 2025

Owner of Record	Individual Name on File
Mailing Address	405 BERMUDA WAY, LOUISVILLE, KY 40243-1509
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	Name on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Deed Document Number	0012137668
Deed Book / Page	12137 / 668
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON KY
Recording Date	Sep 16, 2021
Property Address	405 BERMUDA WAY, MIDDLETOWN, KY 40243-1509
Document Number	0000231297
Book / Page	D 12137 / 668
Map Reference	MB 28 PG 91
Instrument Date	Aug 25, 2021
Instrument	2021231297
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	901 RAMSGATE CT, LOUISVILLE, KY 40299-4657

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 BERMUDA WAY, LOUISVILLE, KY 40243-1509

Mortgage

Document Number	0000231298
Date	Sep 16, 2021
Instrument	2021231298

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 405 Bermuda Way was $2,575.

Source: Louisville/Jefferson County Metro Government assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County / Consolidated City	Louisville/Jefferson County Metro Government
Municipality	Middletown City
Unified School District	Jefferson County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,575.00	$230,750 Land $40,000 Building $190,750
2024			$230,750 (-) Land $40,000 Building $190,750
2023	$2,672.00 (-0.34%) Homeowner's exemption	$230,750 (-) Land $40,000 Building $190,750	$230,750 (-) Land $40,000 Building $190,750
2022	$2,681.00 Homeowner's exemption	$230,750 Land $40,000 Building $190,750	$230,750 Land $40,000 Building $190,750

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

Flood

FEMA maps place 405 Bermuda Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 26, 2026 · 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
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	3 in force

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 405 Bermuda Way is low, with less than 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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 255 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless · Fiber in parts of the area	100 / 20