Oldham County property record for 3602 River Bluff Rd, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,673 sqft · built 1978 |
| Lot Size | 0.569 acres (24,829 sqft) |
| Owner | Individual Name on File |
| Last Sale | $320,000 (Dec 2023) |
| Tax Bill | $3,987 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Dec 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02A-01-18 |
| Primary APN | 02-02A-01-18 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,673 sqft Living Area |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 24,829 sqft (0.569 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 72109 |
|---|---|
| Street Address | 3602 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9098 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .57AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 18 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
3602 River Bluff Rd is owned and occupied by an individual who bought it in December 2023.
Source: Oldham County records, as of December 22, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3602 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage EZ FUNDINGS INC |
| Dec 21, 2023 | Warranty Deed, Transfer · Conventional Mortgage SIGNATURE MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2023 · Amount on File |
| Deed Sale | Dec 21, 2023 · Amount on File |
| Deed Document Number | 751009 |
| Deed Book / Page | D1372 / 429 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3602 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2026 |
| Title Company | AGENTS TITLE INC, AGENCY TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 3602 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Document Number | 0M2730/735 |
|---|---|
| Date | Feb 6, 2026 |
| Book Page | M2730/735 |
| Instrument | 847279 |
| Name | EZ FUNDINGS INC |
|---|---|
| Type | Lending Institution |
| Address | RANCHO CUCAMONGA, CA 91730 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Dec 21, 2023 |
| Property Address | 3602 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Document Number | 0D1372/429 |
| Book / Page | D1372 / 429 |
| Map Reference | MB 1 PG 32 |
| Instrument Date | Dec 19, 2023 |
| Instrument | 751009 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $320.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1707 DRAKESTONE AVE, NICHOLS HILLS, OK 73120-1009 |
| Name | Verified Name |
|---|---|
| Address | 3602 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Document Number | 0000751012 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 751012 |
| Name | SIGNATURE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 370 Months |
| Due | Oct 1, 2054 |
The 2025 property tax bill for 3602 River Bluff Rd was $3,987.
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 | $3,987.00 | $320,000 Land $50,000 Building $270,000 | $320,000 Land $50,000 Building $270,000 |
| 2023 | $2,689.00 (-1.68%) Homeowner's exemption | $260,000 (-) Land $50,000 Building $210,000 | $260,000 (-) Land $50,000 Building $210,000 |
| 2022 | $2,735.00 Homeowner's exemption | $260,000 Land $50,000 Building $210,000 | $260,000 Land $50,000 Building $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3602 River Bluff Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.
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 risk around 3602 River Bluff Rd is low, with a 0.01% annual chance of 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures