Oldham County property record for 3403 River Bluff Rd, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · built 1972 |
| Lot Size | 0.75 acres (32,670 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Jun 2020) |
| Tax Bill | $3,126 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02A-02-142 |
| Primary APN | 02-02A-02-142 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 32,670 sqft (0.75 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 64292 |
|---|---|
| Street Address | 3403 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .75AC |
| Legal Block | SEC 2 |
| Legal Lot Number | 142 |
| 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 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3403 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK LOUISVILLE |
| Jun 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 30, 2020 · Amount on Record |
| Deed Sale | Jun 30, 2020 · Amount on Record |
| Deed Document Number | 580946 |
| Deed Book / Page | D1252 / 29 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3403 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3403 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | 0M2614/541 |
|---|---|
| Date | Jan 27, 2023 |
| Book Page | M2614/541 |
| Instrument | 718603 |
| Name | FIFTH THIRD BANK LOUISVILLE |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 25, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Jun 30, 2020 |
| Property Address | 3403 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | D1252/29 |
| Book / Page | D1252 / 29 |
| Map Reference | MB 1 PG 61 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 580946 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| 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 | 3403 RIVER BLUFF RD, 3403, PROSPECT, KY 40059-9228 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3403 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | 580947 |
|---|---|
| Date | Jun 30, 2020 |
| Instrument | 580947 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
Source: Oldham County assessment roll, as of July 1, 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 | $3,126.00 (+12.97%) | $250,000 (+13.64%) Land $50,000 Building $200,000 | $250,000 (+13.64%) Land $50,000 Building $200,000 |
| 2023 | $2,767.00 | $220,000 Land $50,000 Building $170,000 | $220,000 Land $50,000 Building $170,000 |
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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