Oldham County property record for 3606 River Bluff Rd, Prospect, KY 40059 · Last verified January 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1974 |
| Square Footage | 2,191 sqft Living Area |
| Lot Size | 22,651 sqft (0.519 acres) |
| Garage | Basement |
| Occupancy | Owner Occupied |
| Tax Bill | $3,014.00 (2025) |
| Primary APN | 02-02A-01-16 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,191 sqft Living Area |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1974 |
|---|---|
| Exterior Material | Combination Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Concrete Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 22,651 sqft (0.519 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Basement Garage |
| Pool Type | Above-Ground Pool Pool Type |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Account Number | 632 |
|---|---|
| Street Address | 3606 RIVER BLUFF RD |
| City | PROSPECT |
| State | KY |
| Zip | 40059-9098 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HOUSE & .52AC |
| Legal Block | SEC 1 |
| Legal Lot Number | 16 |
| Jurisdiction | OLDHAM KY |
| Minor Civil Division | PEWEE VALLEY |
| Census Blockgroup | 2 |
| Census Block | 2001 |
| Census Tract | 30801 |
Source: Oldham County records · APN 02-02A-01-16
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3606 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 05, 2024 | Deed of Trust, Mortgage · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Nov 21, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 22, 2019 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Doc Number | 651-196 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3606 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3606 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Document Number | 0M2649/198 |
|---|---|
| Date | Feb 05, 2024 |
| Book Page | M2649/198 |
| Instrument | 754352 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3606 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Transaction Type | Mortgage |
| Record Updated | Dec 05, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3606 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Document Number | 0M2608/846 |
|---|---|
| Date | Nov 21, 2022 |
| Book Page | M2608/846 |
| Instrument | 713434 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Nov 15, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3606 RIVER BLUFF RD, PROSPECT, KY 40059-9098 |
| Transaction Type | Mortgage |
| Record Updated | Apr 04, 2019 |
| Name | Verified Name |
|---|
| Document Number | M2340/0891 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | M2340/0891 |
| Instrument | 549867 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | PROSPECT, KY 40059 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Municipality | River Bluff City |
| Unified School District | Oldham County School District (PK - 12) |
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 | $3,014.00 (-1.5%) Homeowner's exemption | $290,000 (-) Land $50,000 Building $240,000 | $290,000 (-) Land $50,000 Building $240,000 |
| 2023 | $3,060.00 Homeowner's exemption | $290,000 Land $50,000 Building $240,000 | $290,000 Land $50,000 Building $240,000 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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