Oldham County property record for 4205 Evergreen Rd, Crestwood, KY 40014
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,770 sqft |
| Lot Size | 2.6 acres (113,256 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Sep 2026) |
| Tax Bill | $4,504 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-40B-01-10 |
| Primary APN | 40-40B-01-10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,770 sqft Living Area |
| Basement Area | 500 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Exterior Material | Combination |
|---|---|
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 113,256 sqft (2.6 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 46724 |
|---|---|
| Street Address | 4205 EVERGREEN RD |
| City | CRESTWOOD |
| State | KY |
| Zip | 40014-7201 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, BARN & 2.6AC |
| Legal Subdivision | BOROWICK FARMS |
| Legal Block | SEC 1 |
| Legal Lot Number | 10 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | LA GRANGE |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 30401 |
4205 Evergreen Rd is owned and occupied by two individuals who bought it in September 2026.
Source: Oldham County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Sep 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOAN STORE |
| Sep 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOAN STORE |
| Jan 29, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FAIR WAY LENDING LLC |
| Mar 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FAIR WAY LENDING LLC |
| Oct 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY LENDING LLC |
| Sep 27, 2024 | Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 30, 2026 · Amount on File |
| Deed Sale | Sep 30, 2026 · Amount on File |
| Prior Sale | Feb 14, 2011 · Amount on File |
| Deed Document Number | 2026958203 |
| Deed Book / Page | 1454 / 478 |
| Prior Transfer Date | Feb 16, 2012 |
| Prior Transfer Doc | 0D1018/336 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Sep 30, 2026 |
| Property Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Document Number | 0000958207 |
| Book / Page | 2763 / 78 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 2026958207 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | LOUISVILLE TITLE |
| Name | Verified Name |
|---|---|
| Address | 3129 ROSELAWN BLVD, LOUISVILLE, KY 40220-2621 |
| Document Number | 0000958207, |
|---|---|
| Date | Sep 30, 2026 |
| Book Page | 2763/78 |
| Instrument | 2026958207 |
| Name | LOAN STORE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Sep 30, 2026 |
| Property Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Document Number | 0000958203 |
| Book / Page | 1454 / 478 |
| Instrument Date | Sep 29, 2026 |
| Instrument | 2026958203 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2026 |
| Title Company | LOUISVILLE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $51,510.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Document Number | 0000958207, |
|---|---|
| Date | Sep 30, 2026 |
| Instrument | 2026958207 |
| Name | LOAN STORE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0M2293/800 |
|---|---|
| Date | Jan 29, 2018 |
| Book Page | M2293/800 |
| Instrument | 535145 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTINGLY TITLE G |
| Name | Verified Name |
|---|
| Document Number | M2321/0210 |
|---|---|
| Date | Sep 13, 2018 |
| Book Page | M2321/0210 |
| Instrument | 543581 |
| Name | FAIR WAY LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTINGLY TTL GRO |
| Name | Verified Name |
|---|
| Document Number | 0M2397/247 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | M2397/247 |
| Instrument | 565580 |
| Name | FAIR WAY LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Title Company | FREIBERT AND MATTINGLY TITLE GROUP, FREIBERT & MATTINGLY TTL GRO |
| Name | Verified Name |
|---|
| Document Number | 0M2454/426 |
|---|---|
| Date | Oct 1, 2020 |
| Book Page | M2454/426 |
| Instrument | 598297 |
| Name | FAIRWAY LENDING LLC |
|---|---|
| Address | LOUISVILLE, KY 40243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4205 EVERGREEN RD, CRESTWOOD, KY 40014-7201 |
| Document Number | 0M2672/945 |
|---|---|
| Date | Sep 27, 2024 |
| Book Page | M2672/945 |
| Instrument | 780609 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40232 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4205 Evergreen Rd was $4,504.
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 | $4,504.00 | $362,000 Land $60,000 Building $302,000 | $362,000 Land $60,000 Building $302,000 |
| 2023 | $3,895.00 | $310,000 Land $50,000 Building $260,000 | $310,000 Land $50,000 Building $260,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4205 Evergreen Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2005.
Source: FEMA National Flood Hazard Layer, effective October 15, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (2005–2006) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2006 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4205 Evergreen Rd 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 | 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 | OLDHAM COUNTY WATER DISTRICT serves 38,409 people · EPA ID KY0930333 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 1 ppb (2023–2025) 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 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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