Oldham County property record for 3603 River Bluff Rd, Prospect, KY 40059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,943 sqft · built 1973 |
| Lot Size | 0.519 acres (22,651 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $279,900 (Nov 2017) |
| Tax Bill | $4,356 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-02A-01-33 |
| Primary APN | 02-02A-01-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,943 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 22,651 sqft (0.519 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 58405 |
|---|---|
| Street Address | 3603 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE, DET.GARAGE & .52AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 33 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 30801 |
Source: Oldham County records, as of December 22, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3603 RIVER BLUFF RD, PROSPECT, KY 40059-9003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2023 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Nov 6, 2017 | Warranty Deed, Transfer · Conventional Mortgage PNC MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2017 · Amount on Record |
| Deed Sale | Nov 6, 2017 · Amount on Record |
| Prior Sale | Feb 20, 2009 · Amount on Record |
| Deed Document Number | 532236 |
| Deed Book / Page | D1176 / 308 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3603 RIVER BLUFF RD, PROSPECT, KY 40059-9003 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3603 RIVER BLUFF RD, PROSPECT, KY 40059-9003 |
| Document Number | 0M2624/826 |
|---|---|
| Date | May 17, 2023 |
| Book Page | M2624/826 |
| Instrument | 728827 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | May 16, 2063 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OLDHAM KY |
| Recording Date | Nov 6, 2017 |
| Property Address | 3603 RIVER BLUFF RD, PROSPECT, KY 40059-9003 |
| Document Number | D1176/308 |
| Book / Page | D1176 / 308 |
| Map Reference | MB1 PG32 |
| Instrument Date | Nov 3, 2017 |
| Instrument | 532236 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2021 |
| Title Company | KEMP TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 15850 SW 16TH TER, 15850, OCALA, FL 34473-8899 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3603 RIVER BLUFF RD, PROSPECT, KY 40059-9003 |
| Document Number | 532237 |
|---|---|
| Date | Nov 6, 2017 |
| Instrument | 532237 |
| Name | PNC MORTGAGE LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2032 |
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 | $4,356.00 (+12.3%) | $350,000 (+12.9%) Land $50,000 Building $300,000 | $350,000 (+12.9%) Land $50,000 Building $300,000 |
| 2023 | $3,879.00 | $310,000 Land $50,000 Building $260,000 | $310,000 Land $50,000 Building $260,000 |
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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