Oldham County property record for 3401 River Bluff Rd, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,186 sqft · built 1980 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $322,920 (Nov 2017) |
| Tax Bill | $4,356 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02A-02-141 |
| Primary APN | 02-02A-02-141 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,186 sqft Living Area |
| Basement Area | 3,186 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 38,333 sqft (0.88 acres) |
| Garage Type | Attached |
| Garage Area | 568 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 58468 |
|---|---|
| Street Address | 3401 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .88AC |
| Legal Subdivision | RIVER BLUFF FARMS |
| Legal Block | SEC 2 |
| Legal Lot Number | 141 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records, as of December 23, 2025
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 Record |
|---|---|
| Mailing Address | 3401 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 21, 2021 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| May 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 24, 2018 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| Nov 15, 2017 | Warranty Deed, Transfer · Conventional Mortgage REPUBLIC STATE MORTGAGE CO |
| Feb 17, 2017 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2017 · Amount on Record |
| Deed Sale | Nov 15, 2017 · Amount on Record |
| Prior Sale | Apr 4, 2017 · Amount on Record |
| Deed Document Number | 2017532624 |
| Deed Book / Page | 1177 / 292 |
| Prior Transfer Date | Feb 1, 2017 |
| Prior Transfer Doc | D1154/385 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3401 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2524/220 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | M2524/220 |
| Instrument | 642067 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 16, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3401 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Name | Verified Name |
|---|
| Document Number | M2416/251 |
|---|---|
| Date | May 27, 2020 |
| Book Page | M2416/251 |
| Instrument | 575240 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3401 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Name | Verified Name |
|---|
| Document Number | M2314/0398 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | M2314/0398 |
| Instrument | 541511 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 14, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 15, 2017 |
| Property Address | 3401 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | D1177/292 |
| Book / Page | D1177 / 292 |
| Map Reference | MB1 PG61 |
| Instrument Date | Nov 3, 2017 |
| Instrument | 532624 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | NJS TITLES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1064, PROSPECT, KY 40059-1064 |
| Name | Verified Name |
|---|---|
| Address | 3401 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | 532625 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 532625 |
| Name | REPUBLIC STATE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Feb 17, 2017 |
| Property Address | 3401 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | D1154/385 |
| Book / Page | D1154 / 385 |
| Map Reference | MB1 PG61 |
| Instrument Date | Feb 1, 2017 |
| Instrument | 521375 |
| 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 | PO BOX 1064, PROSPECT, KY 40059-1064 |
Source: Oldham County assessment roll, as of December 23, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Municipality | River Bluff City |
| Unified School District | Oldham County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,356.00 (+7.82%) | $350,000 (+8.36%) Land $50,000 Building $300,000 | $350,000 (+8.36%) Land $50,000 Building $300,000 |
| 2023 | $4,040.00 | $323,000 Land $50,000 Building $273,000 | $323,000 Land $50,000 Building $273,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 1 in force |
| Nearby Flood Claims | 3 (1997–2017) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Apr 2017 · 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.
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 211 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 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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