Oldham County property record for 3989 Hidden Falls Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.04 acres (45,476 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $786,955 (Dec 2019) |
| Tax Bill | $10,816 (2025) |
| Deeds & Mortgages | May 2019 Construction Loan Oct 2021 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-14G-01-3 |
| Primary APN | 10-14G-01-3 |
|---|---|
| Alternative APN |
|
| Lot Area | 45,476 sqft (1.04 acres) |
|---|
| Account Number | 63227 |
|---|---|
| Street Address | 3989 HIDDEN FALLS DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-5508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, IG POOL & 1.044AC |
| Legal Subdivision | SADDLEVIEW SUB SEC 1 |
| Legal Block | SEC 1 |
| Legal Lot Number | 3 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30704 |
Source: Oldham County records, as of October 13, 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 | 3989 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 10, 2019 | Deed of Trust, Mortgage · Construction Mortgage THE FARMERS BANK OF MILTON |
| Oct 18, 2021 | Deed of Trust, Mortgage · Line of Credit ABOUND FCU |
| Jul 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage EVANSVILLE TEACHERS FCU |
| May 13, 2020 | Deed of Trust, Mortgage · Line of Credit ABOUND FCU |
| Dec 17, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2019 · Amount on Record |
| Deed Sale | Dec 17, 2019 · Amount on Record |
| Deed Document Number | 2019561214 |
| Deed Book / Page | 1235 / 307 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3989 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2022 |
| Name | Verified Name |
|---|
| Document Number | M2346/0993 |
|---|---|
| Date | May 10, 2019 |
| Book Page | M2346/0993 |
| Instrument | 551592 |
| Name | THE FARMERS BANK OF MILTON |
|---|---|
| Type | Bank |
| Address | LA GRANGE, KY 40031 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 9, 2020 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3989 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2550/393 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | M2550/393 |
| Instrument | 660752 |
| Name | ABOUND FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | Sep 28, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3989 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2434/443 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | M2434/443 |
| Instrument | 585004 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Address | EVANSVILLE, IN 47715 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.07% |
| Max Rate At Change | 7.75% |
| Index | 1-Year LIBOR |
| Max Rate | 7.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3989 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2412/715 |
|---|---|
| Date | May 13, 2020 |
| Book Page | M2412/715 |
| Instrument | 573192 |
| Name | ABOUND FCU |
|---|---|
| Type | Credit Union |
| Address | RADCLIFF, KY 40159 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 3, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 17, 2019 |
| Property Address | 3989 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Document Number | D1235/0307 |
| Book / Page | D1235 / 0307 |
| Map Reference | MB 7 PG 23 |
| Instrument Date | Nov 22, 2019 |
| Instrument | 561214 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 16, 2021 |
| 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 | 6244 OLD LAGRANGE RD STE 15, 6244, CRESTWOOD, KY 40014-7555 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3989 HIDDEN FALLS DR, PROSPECT, KY 40059-5508 |
| Document Number | 561215 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 561215 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2049 |
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 | $10,816.00 (+3.93%) | $875,000 (+4.79%) Land $120,000 Building $755,000 | $875,000 (+4.79%) Land $120,000 Building $755,000 |
| 2023 | $10,407.00 | $835,000 Land $120,000 Building $715,000 | $835,000 Land $120,000 Building $715,000 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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