Oldham County property record for 3985 Hidden Falls Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $1,237,641 (Jun 2020) |
| Tax Bill | $15,737 (2025) |
| Deeds & Mortgages | Jun 2019 Construction Loan Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-14G-01-1 |
| Primary APN | 10-14G-01-1 |
|---|---|
| Alternative APN |
|
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Account Number | 64105 |
|---|---|
| Street Address | 3985 HIDDEN FALLS DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & 1AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 1 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30704 |
Source: Oldham County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3985 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 20, 2019 | Deed of Trust, Mortgage · Construction Mortgage THE FARMERS BANK OF MILTON |
| Jun 2, 2020 | Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2020 · Amount on Record |
| Deed Sale | Jun 2, 2020 · Amount on Record |
| Deed Document Number | 576023 |
| Deed Book / Page | D1249 / 112 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3985 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2353/0020 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | M2353/0020 |
| Instrument | 553284 |
| Name | THE FARMERS BANK OF MILTON |
|---|---|
| Type | Bank |
| Address | LA GRANGE, KY 40031 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jun 19, 2021 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jun 2, 2020 |
| Property Address | 3985 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Document Number | D1249/112 |
| Book / Page | D1249 / 112 |
| Map Reference | MB 7 PG 23 |
| Instrument Date | May 29, 2020 |
| Instrument | 576023 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| 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 | 9602 W SIDE CT, 9602, CRESTWOOD, KY 40014-7585 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3985 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Document Number | 576024 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 576024 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
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 | $15,737.00 (-0.81%) | $1,275,000 (-) Land $125,000 Building $1,150,000 | $1,275,000 (-) Land $125,000 Building $1,150,000 |
| 2023 | $15,865.00 | $1,275,000 Land $125,000 Building $1,150,000 | $1,275,000 Land $125,000 Building $1,150,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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