Oldham County property record for 3408 River Bluff Rd, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 4,208 sqft · built 1976 |
| Lot Size | 0.63 acres (27,443 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $5,044 (2025) |
| Deeds & Mortgages | Feb 2022 Reverse Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02A-02-57 |
| Primary APN | 02-02A-02-57 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 4,208 sqft Living Area |
| Year Built | Built 1976 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 27,443 sqft (0.63 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 14760 |
|---|---|
| Street Address | 3408 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .63AC |
| Legal Block | SEC 2 |
| Legal Lot Number | 57 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3408 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Deed Document Number | 187-447 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3408 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3408 RIVER BLUFF RD, PROSPECT, KY 40059-9011 |
| Document Number | 0M2570/276 |
|---|---|
| Date | Feb 7, 2022 |
| Book Page | M2570/276 |
| Instrument | 676672 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN MARINO, CA 91108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.04% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2022 |
| Change Frequency | Annually |
| Index | Other |
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 | $5,044.00 (+5.32%) Homeowner's exemption | $455,000 (+5.81%) Land $50,000 Building $405,000 | $455,000 (+5.81%) Land $50,000 Building $405,000 |
| 2023 | $4,789.00 Homeowner's exemption | $430,000 Land $50,000 Building $380,000 | $430,000 Land $50,000 Building $380,000 |
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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