Oldham County property record for 4012 Hidden Falls Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $91,000 (Aug 2013) |
| Tax Bill | $8,724 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage May 2022 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-14A-01-16 |
| Primary APN | 10-14A-01-16 |
|---|---|
| Alternative APN |
|
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Account Number | 49343 |
|---|---|
| Street Address | 4012 HIDDEN FALLS DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-6515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 16 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30704 |
4012 Hidden Falls Dr is owned and occupied by an individual who bought it in August 2013.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 4012 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| 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.
| Date | Document |
|---|---|
| Dec 14, 2023 | Deed of Trust, Mortgage · Closed-End Mortgage CENTRAL BANK & TRUST CO |
| May 3, 2022 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO |
| Dec 14, 2020 | Deed of Trust, Mortgage CENTRAL BANK & TRUST CO |
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICK MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2013 · Amount on File |
| Deed Sale | Aug 1, 2013 · Amount on File |
| Deed Document Number | 470748 |
| Deed Book / Page | D1061 / 246 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4012 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4012 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Document Number | 0M2645/457 |
|---|---|
| Date | Dec 14, 2023 |
| Book Page | M2645/457 |
| Instrument | 750468 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 1, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | 10 Years |
| Index | FHLBNY's 5-Year Index |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4012 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4012 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Document Number | 0M2583/622 |
|---|---|
| Date | May 3, 2022 |
| Book Page | M2583/622 |
| Instrument | 688721 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Apr 22, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4012 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2474/330 |
|---|---|
| Date | Dec 14, 2020 |
| Book Page | M2474/330 |
| Instrument | 610730 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 41050 |
| Amount | Amount on Record |
|---|---|
| Term | 58 Months |
| Due | Oct 23, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4012 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2446/243 |
|---|---|
| Date | Sep 4, 2020 |
| Book Page | M2446/243 |
| Instrument | 592895 |
| Name | QUICK MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.4% |
| Index | 1-Year LIBOR |
| Max Rate | 8.4% |
The 2025 property tax bill for 4012 Hidden Falls Dr was $8,724.
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 | $8,724.00 | $705,000 Land $125,000 Building $580,000 | $705,000 Land $125,000 Building $580,000 |
| 2023 | $7,802.00 | $625,000 Land $91,000 Building $534,000 | $625,000 Land $91,000 Building $534,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4012 Hidden Falls Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 4012 Hidden Falls Dr 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 | 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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