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3604 River Bluff Rd, Prospect, KY 40059 Property Records

Oldham County property record for 3604 River Bluff Rd, Prospect, KY 40059 · Last verified January 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · built 1975
Lot Size0.48 acres (20,909 sqft)
OwnerIndividual Name on File
Last Sale$267,000 (Sep 2019)
Tax Bill$4,110 (2025)
Deeds & MortgagesSep 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-02A-01-17

Property Details

APN / Parcel Number

Primary APN02-02A-01-17
Alternative APN
  • 62597

Interior

Bedrooms2 Beds
Full Baths2 Baths
Total Rooms4 Rooms
Stories1 Story
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1975
Exterior MaterialBrick Veneer
Lot Area20,909 sqft (0.48 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump

Location & Zoning

Account Number62597
Street Address3604 RIVER BLUFF RD
CityPROSPECT
StateKY
Zip40059-9098
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & .48AC
Legal BlockSEC 1
Legal Lot Number17
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2001
Census Tract30801

Owner

Source: Oldham County records · APN 02-02A-01-17

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3604 RIVER BLUFF RD, PROSPECT, KY 40059-9098
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 05, 2019 · Amount on Record
Deed SaleSep 05, 2019 · Amount on Record
Deed Document Number556797
Deed Book / PageD1226 / 0368
Record UpdatedJun 08, 2026

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOLDHAM KY
Recording DateSep 05, 2019
Property Address3604 RIVER BLUFF RD, PROSPECT, KY 40059-9098
Document NumberD1226/0368
Book / PageD1226 / 0368
Map ReferenceMB 1 PG 32
Instrument DateAug 03, 2019
Instrument556797
Transaction TypeTransfer
Record UpdatedNov 16, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3600 RIVER, 3600, PROSPECT, KY 40059

Transferred To (Grantee/Buyer)

NameVerified Name
Address3604 RIVER, PROSPECT, KY 40059

Mortgage

Document Number556799
DateSep 05, 2019
Instrument556799
Lender
NameFIFTH THIRD BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyOldham County
MunicipalityRiver Bluff City
Unified School DistrictOldham 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,110.00 (+21.42%)$330,000 (+22.22%) Land $50,000 Building $280,000$330,000 (+22.22%) Land $50,000 Building $280,000
2023$3,385.00$270,000 Land $50,000 Building $220,000$270,000 Land $50,000 Building $220,000

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims3 (1997–2017)
Claims Outside the SFHA2 of 3
Most Recent ClaimApr 2017, rainfall accumulation

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

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

Mobile Coverage

5G and 4G LTE

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