Oldham County property record for 3402 River Bluff Rd, Prospect, KY 40059 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1972 |
| Square Footage | 2,255 sqft Living Area |
| Lot Size | 25,700 sqft (0.589 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $194,500 (2011) |
| Tax Bill | $3,987.00 (2025) |
| Primary APN | 02-02A-02-60 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,255 sqft Living Area |
| Stories | 1 Stories |
| Year Built | Built 1972 |
|---|---|
| Construction Type | Frame Construction |
| Foundation Type | Concrete Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 25,700 sqft (0.589 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 63181 |
|---|---|
| Street Address | 3402 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9011 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .59AC |
| Legal Block | SEC 2 |
| Legal Lot Number | 60 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records · APN 02-02A-02-60
Assessment roll updated July 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3402 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 05, 2022 | Deed of Trust, Mortgage · Stand Alone Second Mortgage DISCOVER BANK |
| Oct 26, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage ROYAL UNITED MORTGAGE LLC |
| Sep 16, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Dec 10, 2019 | Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage ROYAL UNITED MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2011 · Amount on Record |
| Deed Sale | Aug 29, 2011 · Amount on Record |
| Prior Sale | Aug 29, 2011 · Amount on Record |
| Deed Doc Number | D1005/037 |
| Deed Book / Page | D1005 / 037 |
| Last Transfer Date | Dec 10, 2019 |
| Transfer Doc | D1234/0607 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3402 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2022 |
| Title Company | BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0M2603/913 |
|---|---|
| Date | Oct 05, 2022 |
| Book Page | M2603/913 |
| Instrument | 708458 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | 9950 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 03, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3402 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2021 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | M2552/328 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | M2552/328 |
| Instrument | 662272 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46250 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Nov 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3402 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2544/69 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | M2544/69 |
| Instrument | 655581 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 10, 2019 |
| Property Address | 3402 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Document Number | D1234/0607 |
| Book / Page | D1234 / 0607 |
| Map Reference | MB 1 PG 61 |
| Instrument Date | Oct 09, 2019 |
| Instrument | 560900 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | TIMIOS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3402 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Document Number | 560901 |
|---|---|
| Date | Dec 10, 2019 |
| Instrument | 560901 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 01, 2049 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 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 | $3,987.00 (+9.77%) | $320,000 (+10.34%) Land $50,000 Building $270,000 | $320,000 (+10.34%) Land $50,000 Building $270,000 |
| 2023 | $3,632.00 | $290,000 Land $50,000 Building $240,000 | $290,000 Land $50,000 Building $240,000 |
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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