Oldham County property record for 6023 Waterfall Way, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,536 sqft · built 2010 |
| Lot Size | 2.28 acres (99,316 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,183,100 (Apr 2025) |
| Tax Bill | $8,285 (2025) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 11-11C-11E-632 |
| Primary APN | 11-11C-11E-632 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,536 sqft Living Area |
| Gross Area | 1,076 sqft |
| Basement Area | 1,674 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 99,316 sqft (2.28 acres) |
| Garage Type | Attached |
| Garage Area | 1,076 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 74677 |
|---|---|
| Street Address | 6023 WATERFALL WAY |
| City | PROSPECT |
| State | KY |
| Zip | 40059-7505 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 2.2798AC |
| Legal Subdivision | GLENOAKS |
| Legal Block | SEC 11E |
| Legal Lot Number | 632 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 30704 |
6023 Waterfall Way is owned and occupied by two individuals who bought it in April 2025.
Source: Oldham County records, as of August 24, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6023 WATERFALL WAY, PROSPECT, KY 40059-7505 |
| 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 |
|---|---|
| Apr 28, 2025 | Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK |
| Nov 19, 2020 | Deed of Trust, Mortgage · ARM WESBANCO BANK INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2025 · Amount on File |
| Deed Sale | Apr 28, 2025 · Amount on File |
| Prior Sale | Jul 6, 2015 · Amount on File |
| Deed Document Number | 2025805245 |
| Deed Book / Page | 1408 / 417 |
| Prior Transfer Date | Apr 22, 2025 |
| Prior Transfer Doc | 0D1408/414 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Apr 28, 2025 |
| Property Address | 6023 WATERFALL WAY, PROSPECT, KY 40059-7505 |
| Document Number | 0D1408/417 |
| Book / Page | D1408 / 417 |
| Map Reference | MB 6 PG 66 |
| Instrument Date | Apr 22, 2025 |
| Instrument | 805245 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2025 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,183.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16507 GLEN LAKES DR, LOUISVILLE, KY 40245-5367 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6023 WATERFALL WAY, PROSPECT, KY 40059-7505 |
| Document Number | 0000805250 |
|---|---|
| Date | Apr 28, 2025 |
| Instrument | 805250 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Number | 0M2694/558 |
|---|---|
| Date | Apr 28, 2025 |
| Book Page | M2694/558 |
| Instrument | 805276 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 6023 WATERFALL WAY, PROSPECT, KY 40059-7505 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ROUNSAVALL TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | M2467/849 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | M2467/849 |
| Instrument | 606611 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | WHEELING, WV 26003 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 2, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Dec 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.75% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 8.75% |
The 2025 property tax bill for 6023 Waterfall Way was $8,285 with a homeowner's exemption.
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 | $8,285.00 Homeowner's exemption | $680,000 Land $120,000 Building $560,000 | $680,000 Land $120,000 Building $560,000 |
| 2023 | $8,502.00 | $650,000 Land $120,000 Building $530,000 | $650,000 Land $120,000 Building $530,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6023 Waterfall Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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 6023 Waterfall Way 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 | 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 97 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures