3507 River Bluff Rd, Prospect, KY 40059 Property Records

Oldham County property record for 3507 River Bluff Rd, Prospect, KY 40059 · Last verified January 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,300 sqft · built 1970
Lot Size	0.539 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Nov 2022)
Tax Bill	$4,540 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02A-02-189`

Property Details

APN / Parcel Number

Primary APN	`02-02A-02-189`
Alternative APNs	`69969` `6042`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,300 sqft Living Area

Exterior

Year Built	Built 1970
Exterior Material	Brick Veneer
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.539 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	69969
Street Address	3507 RIVER BLUFF RD
City	PROSPECT
State	KY
Zip	40059-9005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .54AC
Legal Block	SEC 2
Legal Lot Number	189
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2009
Census Tract	30801

Owner

Source: Oldham County records · APN 02-02A-02-189

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
Mailing Address	3507 RIVER BLUFF RD, PROSPECT, KY 40059-9005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 16, 2022 · Amount on Record
Deed Sale	Nov 16, 2022 · Amount on Record
Deed Document Number	713035
Deed Book / Page	D1344 / 251
Record Updated	Jun 08, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	OLDHAM KY
Recording Date	Nov 16, 2022
Property Address	3507 RIVER BLUFF RD, PROSPECT, KY 40059-9005
Document Number	0D1344/251
Book / Page	D1344 / 251
Map Reference	MB 1 PG 61
Instrument Date	Nov 15, 2022
Instrument	713035
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	SIGNATURE TITLE, SIGNATURE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3507 RIVER BLUFF RD, 3507, PROSPECT, KY 40059-9005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3507 RIVER BLUFF RD, PROSPECT, KY 40059-9005

Mortgage

Document Number	0000713038
Date	Nov 16, 2022
Instrument	713038

Lender

Name	FIRST SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026

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

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	$4,540.00 (-0.42%)	$365,000 (-) Land $50,000 Building $315,000	$365,000 (-) Land $50,000 Building $315,000
2023	$4,559.00	$365,000 Land $50,000 Building $315,000	$365,000 Land $50,000 Building $315,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850308012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
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

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 211 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.