Oldham County property record for 3407 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 1971 |
| Square Footage | 2,359 sqft Living Area |
| Lot Size | 31,799 sqft (0.73 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $410,000 (2019) |
| Tax Bill | $5,279.00 (2025) |
| Primary APN | 02-02A-02-144 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,359 sqft Living Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1971 |
|---|---|
| Exterior Material | Brick Veneer Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Concrete Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 31,799 sqft (0.73 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Account Number | 63043 |
|---|---|
| Street Address | 3407 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9228 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .73AC |
| Legal Block | SEC 2 |
| Legal Lot Number | 144 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records · APN 02-02A-02-144
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 | 3407 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 14, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Aug 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage JEFFERSON COUNTY FCU |
| Nov 13, 2019 | Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 13, 2019 · Amount on Record |
| Deed Sale | Nov 13, 2019 · Amount on Record |
| Prior Sale | Feb 16, 2007 · Amount on Record |
| Deed Doc Number | 559859 |
| Deed Book / Page | D1232 / 0284 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3407 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Transaction Type | Mortgage |
| Record Updated | May 04, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0M2621/706 |
|---|---|
| Date | Apr 14, 2023 |
| Book Page | M2621/706 |
| Instrument | 725716 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 10, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3407 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Transaction Type | Mortgage |
| Record Updated | Jun 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | M2362/0926 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | M2362/0926 |
| Instrument | 555957 |
| Name | JEFFERSON COUNTY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 20, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 13, 2019 |
| Property Address | 3407 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | D1232/0284 |
| Book / Page | D1232 / 0284 |
| Map Reference | MB 1 PG 61 |
| Instrument Date | Nov 08, 2019 |
| Instrument | 559859 |
| Transaction Type | Transfer |
| Record Updated | Jun 29, 2021 |
| Title Company | BRIDGETRUST TITLE GROUP |
| 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 | 13013 LOST TRL, 13013, GOSHEN, KY 40026-9546 |
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 3407 RIVER BLUFF RD, PROSPECT, KY 40059-9228 |
| Document Number | 559860 |
|---|---|
| Date | Nov 13, 2019 |
| Instrument | 559860 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 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 | $5,279.00 (+3.21%) | $425,000 (+3.66%) Land $50,000 Building $375,000 | $425,000 (+3.66%) Land $50,000 Building $375,000 |
| 2023 | $5,115.00 | $410,000 Land $50,000 Building $360,000 | $410,000 Land $50,000 Building $360,000 |
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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