HISTORY OF FLIGHTOn June 11, 2013, about 2230 eastern daylight time, a Cessna 172M, N118JD, operated by a private individual, was substantially damaged when it impacted terrain during takeoff from Bowman Field (LOU), Louisville, Kentucky. The private pilot and three passengers were seriously injured. Visual meteorological conditions prevailed, and no flight plan was filed for the local flight. The personal flight was conducted under the provisions of Title 14 Code of Federal Regulations Part 91. The pilot was unable to recall any information about the accident; however he did report that the altitude of the occurrence was about "200 feet [above ground level]." Review of radar data provided by the Federal Aviation Administration (FAA) revealed the airplane was performing takeoff and landings to runway 33 at LOU. The airplane impacted the ground about 430 feet from the departure end of the runway in a right wing low, nose down attitude. PERSONNEL INFORMATIONAccording to FAA records, the pilot, age 17, held a private pilot certificate for airplane single-engine land. The certificate was issued on February 17, 2013. His most recent FAA third-class airman medical certificate was issued on October 30, 2012. According to the pilot's logbook, as of May 19, 2013, the pilot had accumulated 58.2 total hours of flight experience; of which, all of those hours were in the same make and model as the accident airplane. The pilot had accumulated 9.6 hours total night time experience, of which 1.4 hours of night time experience were within the 90 days preceding the accident, including four night takeoff and landings. AIRCRAFT INFORMATIONThe four-seat, high-wing, fixed tricycle-gear airplane, was manufactured in 1975. It was powered by a Lycoming O-320-E2D, 150-hp engine. Review of the airplane's maintenance records revealed that its most recent annual inspection was completed on March 1, 2013. At the time of inspection, the airplane had accumulated 8,173.5 total hours in service. The engine had accumulated approximately 1,145 total hours of time in service since major overhaul. The most recent 100-hour inspection was completed on May 14, 2013, and had 8,322.77 total hours in service. METEOROLOGICAL INFORMATIONThe 2253 recorded weather at LOU, included wind from 160 degrees at 3 knots, 10 miles visibility, clear skies, temperature 26 degrees C, dew point 19 degrees C, and a barometric altimeter setting of 29.95 inches of mercury. According to the U.S. Naval Observatory, on the day of the accident, official sunset was at 2106, the end of civil twilight was at 2138, and official moonset was at 2311. The moon phase was waxing crescent with 8 percent of the moon's visible disk would have been illuminated. AIRPORT INFORMATIONThe four-seat, high-wing, fixed tricycle-gear airplane, was manufactured in 1975. It was powered by a Lycoming O-320-E2D, 150-hp engine. Review of the airplane's maintenance records revealed that its most recent annual inspection was completed on March 1, 2013. At the time of inspection, the airplane had accumulated 8,173.5 total hours in service. The engine had accumulated approximately 1,145 total hours of time in service since major overhaul. The most recent 100-hour inspection was completed on May 14, 2013, and had 8,322.77 total hours in service. WRECKAGE AND IMPACT INFORMATIONAccording to photographs provided by an FAA inspector, after impact the airplane pivoted around the nose before coming to rest upright, nose down, on a golf course. Both propeller blades exhibited chordwise scratching and the wings and fuselage sustained substantial damage. Postaccident examination by an FAA inspector and a representative of the airplane's manufacturer revealed that the flap actuator jackscrew measured about 4 inches, which correlated to a 30 degree flap position. Postaccident examination of the airplane and engine did not reveal any malfunctions or failures that would have precluded normal operation. ADDITIONAL INFORMATIONThe pilot reported to an FAA inspector that he did a weight and balance prior to accident flight. When asked if he still had a copy of it, he said he "did it in his head." Calculation of the airplane's weight and balance information revealed that the airplane's total weight was 2414 pounds; the maximum allowable takeoff weight was 2300 pounds. Pilot's Handbook of Aeronautical Knowledge (FAA-H-8083-25A) Chapter 8, "Weight and Balance," states in part "Compliance with the weight and balance limits of any airplane is critical to flight safety. Operating an airplane above the maximum weight limitation compromises the structural integrity of the airplane and adversely affects its performance…an overloaded airplane may not be able to leave the ground, or if it does become airborne, it may exhibit unexpected and unusually poor flight characteristics…excessive weight reduces the flight performance of an airplane in almost every respect. The most important performance deficiencies of the overloaded airplane are…higher stalling speed." Cessna 172M Pilot Operating Handbook Section 2, "Takeoff" states in part "Wing Flap Settings – Normal and obstacle clearance takeoffs are performed with wing flaps up… Flap settings greater than 10 degrees are not recommended at any time for takeoff…" Also, a review of the "normal take-off" and "maximum performance take-off" stated in part that, the wing flaps setting is zero degrees.