3501 River Bluff Rd, Prospect, KY 40059 Property Records

Oldham County property record for 3501 River Bluff Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,509 sqft · built 1972
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Sep 2022)
Tax Bill	$4,048 (2025)
Deeds & Mortgages	Sep 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`02-02A-02-186`

Property Details

APN / Parcel Number

Primary APN	`02-02A-02-186`
Alternative APNs	`54118` `69595`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,509 sqft Living Area
Basement Area	1,058 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Brick Veneer
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	568 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	69595
Street Address	3501 RIVER BLUFF RD
City	PROSPECT
State	KY
Zip	40059-9005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .55AC
Legal Subdivision	RIVER BLUFF FARMS
Legal Block	SEC 2
Legal Lot Number	186
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2009
Census Tract	30801

Owner

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	3501 RIVER BLUFF RD, PROSPECT, KY 40059-9005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2022 · Amount on Record
Deed Sale	Sep 13, 2022 · Amount on Record
Deed Document Number	2022705816
Deed Book / Page	1339 / 100
Prior Transfer Date	Aug 30, 2022
Prior Transfer Doc	0D1339/100
Record Updated	Jun 8, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OLDHAM KY
Recording Date	Sep 13, 2022
Property Address	3501 RIVER BLUFF RD, PROSPECT, KY 40059-9005
Document Number	0D1339/100
Book / Page	D1339 / 100
Map Reference	MB 1 PG 61
Instrument Date	Aug 30, 2022
Instrument	705816
Transaction Type	Transfer
Record Updated	Feb 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5423 HARBORTOWN CIR, PROSPECT, KY 40059-9257

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3501 RIVER BLUFF RD, PROSPECT, KY 40059-9005

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of December 23, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Municipality	River Bluff City
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,048.00 (+11.45%)	$325,000 (+12.07%) Land $50,000 Building $275,000	$325,000 (+12.07%) Land $50,000 Building $275,000
2023	$3,632.00	$290,000 Land $50,000 Building $240,000	$290,000 Land $50,000 Building $240,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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