3700 River Bluff Rd, Prospect, KY 40059 Property Records

Oldham County property record for 3700 River Bluff Rd, Prospect, KY 40059

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,345 sqft · built 1973
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Mar 2012)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-02A-01-15`

Property Details

APN / Parcel Number

Primary APN	`02-02A-01-15`
Alternative APN	`52097`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,345 sqft Living Area

Exterior

Year Built	Built 1973
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	52097
Street Address	3700 RIVER BLUFF RD
City	PROSPECT
State	KY
Zip	40059-9099
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE & .63AC
Legal Block	SEC 1
Legal Lot Number	15
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	2
Census Block	2001
Census Tract	30801

Owner

Source: Oldham County assessment roll, as of July 1, 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 File
Co-owner	Verified Secondary Owner
Mailing Address	3700 RIVER BLUFF RD, PROSPECT, KY 40059-9099
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 23, 2012 · Amount on Record
Deed Sale	Mar 23, 2012 · Amount on Record
Prior Sale	Dec 29, 2011 · Amount on Record
Deed Document Number	446567
Deed Book / Page	D1020 / 298
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3700 RIVER BLUFF RD, PROSPECT, KY 40059-9099
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2441/821
Date	Aug 20, 2020
Book Page	M2441/821
Instrument	589893

Lender

Name	BANK OF LEXINGTON INC
Type	Bank
Address	LEXINGTON, KY 40503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,356.00 (+19.93%)	$350,000 (+20.69%) Land $50,000 Building $300,000	$350,000 (+20.69%) Land $50,000 Building $300,000
2023	$3,632.00	$290,000 Land $50,000 Building $240,000	$290,000 Land $50,000 Building $240,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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 USA Fixed Wireless	100 / 20