Oldham County property record for 3400 River Bluff Rd, Prospect, KY 40059 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1972 |
| Lot Size | 35,284 sqft (0.81 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $395,000 (2019) |
| Tax Bill | $5,094.00 (2025) |
| Primary APN | 02-02A-02-61 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 35,284 sqft (0.81 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 63004 |
|---|---|
| Street Address | 3400 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .81AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 2 |
| Legal Lot Number | 61 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records · APN 02-02A-02-61
Assessment roll updated December 23, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Feb 14, 2017 | Deed of Trust, Mortgage · Closed-End Mortgage PNC BANK NA |
| Dec 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage INTERLINC MORTGAGE SERVICES LLC |
| Nov 06, 2019 | Deed, Transfer · Conventional Mortgage INTERLINC MORTGAGE SERVICES LLC |
| Aug 22, 2017 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 06, 2019 · Amount on Record |
| Deed Sale | Nov 06, 2019 · Amount on Record |
| Deed Document Number | 2019559535 |
| Deed Book / Page | 1231 / 385 |
| Prior Transfer Date | Aug 21, 2017 |
| Prior Transfer Doc | D1169/567 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2248/754 |
|---|---|
| Date | Feb 14, 2017 |
| Book Page | M2248/754 |
| Instrument | 521229 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LA GRANGE, KY 40031 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2248/744 |
|---|---|
| Date | Feb 14, 2017 |
| Book Page | M2248/744 |
| Instrument | 521222 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | LA GRANGE, KY 40031 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Feb 05, 2029 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | LIMESTONE TITLE & ESCROW LLC |
| Name | Verified Name |
|---|
| Document Number | M2476/644 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | M2476/644 |
| Instrument | 611965 |
| Name | INTERLINC MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77086 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 06, 2019 |
| Property Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Document Number | D1231/0385 |
| Book / Page | D1231 / 0385 |
| Map Reference | MB 1 PG 61 |
| Instrument Date | Nov 04, 2019 |
| Instrument | 559535 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | LIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2909 FARMVIEW CT, 2909, PROSPECT, KY 40059-9191 |
| Name | Verified Name |
|---|---|
| Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Document Number | 559536 |
|---|---|
| Date | Nov 06, 2019 |
| Instrument | 559536 |
| Name | INTERLINC MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Aug 22, 2017 |
| Property Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Document Number | D1169/567 |
| Book / Page | D1169 / 567 |
| Map Reference | MB1 PG61 |
| Instrument Date | Aug 21, 2017 |
| Instrument | 529247 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3400 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Municipality | River Bluff City |
| Unified School District | Oldham County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,094.00 (+3.35%) | $410,000 (+3.8%) Land $50,000 Building $360,000 | $410,000 (+3.8%) Land $50,000 Building $360,000 |
| 2023 | $4,929.00 | $395,000 Land $50,000 Building $345,000 | $395,000 Land $50,000 Building $345,000 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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