Oldham County property record for 4020 Hidden Falls Dr, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 2,462 sqft |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $550,000 (Mar 2018) |
| Tax Bill | $7,740 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-14A-01-12 |
| Primary APN | 10-14A-01-12 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,462 sqft Living Area |
| Lot Area | 43,560 sqft (1 acres) |
|---|
| Account Number | 59007 |
|---|---|
| Street Address | 4020 HIDDEN FALLS DR |
| City | PROSPECT |
| State | KY |
| Zip | 40059-6515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 1AC |
| Legal Subdivision | HIDDEN FALLS |
| Legal Block | SEC 1 |
| Legal Lot Number | 12 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 30704 |
4020 Hidden Falls Dr is owned and occupied by two individuals who bought it in March 2018.
Source: Oldham County records, as of April 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4020 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 |
|---|---|
| Feb 14, 2023 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jul 2, 2020 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Mar 7, 2018 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2018 · Amount on File |
| Deed Sale | Mar 7, 2018 · Amount on File |
| Prior Sale | Apr 22, 2013 · Amount on File |
| Deed Document Number | 2018536368 |
| Deed Book / Page | 1186 / 234 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4020 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4020 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Document Number | 0M2615/906 |
|---|---|
| Date | Feb 14, 2023 |
| Book Page | M2615/906 |
| Instrument | 720106 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 472 Months |
| Due | Jun 1, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4020 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2020 |
| Title Company | NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | M2427/387 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | M2427/387 |
| Instrument | 581533 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Mar 7, 2018 |
| Property Address | 4020 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Document Number | D1186/234 |
| Book / Page | D1186 / 234 |
| Map Reference | MB6 PG109 |
| Instrument Date | Mar 5, 2018 |
| Instrument | 536368 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4020 HIDDEN FALLS DR, 4020, PROSPECT, KY 40059-6515 |
| Name | Verified Name |
|---|---|
| Address | 4020 HIDDEN FALLS DR, PROSPECT, KY 40059-6515 |
| Document Number | 536369 |
|---|---|
| Date | Mar 7, 2018 |
| Instrument | 536369 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 4020 Hidden Falls Dr was $7,740.
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 | $7,740.00 | $625,000 Land $125,000 Building $500,000 | $625,000 Land $125,000 Building $500,000 |
| 2023 | $6,872.00 | $550,000 Land $125,000 Building $425,000 | $550,000 Land $125,000 Building $425,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4020 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 4020 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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