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3708 River Bluff Rd, Prospect, KY 40059 Property Records

Oldham County property record for 3708 River Bluff Rd, Prospect, KY 40059 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,072 sqft · built 1972
Lot Size0.65 acres (28,314 sqft)
Owner2 Individual Names on File
Last Sale$350,000 (Jan 2024)
Tax Bill$4,356 (2025)
Deeds & MortgagesApr 2026 Mortgage
Jan 2024 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN02-02A-01-1

Property Details

APN / Parcel Number

Primary APN02-02A-01-1
Alternative APNs
  • 14789
  • 72192

Interior

Bedrooms4 Beds
Full Baths3 Baths
Total Rooms8 Rooms
Building Area2,072 sqft Living Area
Basement Area1,000 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1972
Architectural StyleSplit Level
Exterior MaterialBrick Veneer
Construction TypeFrame
Roof MaterialComposition Shingle
Lot Area28,314 sqft (0.65 acres)
Garage TypeAttached
Garage Area568 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number72192
Street Address3708 RIVER BLUFF RD
CityPROSPECT
StateKY
Zip40059-9227
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOUSE & .65AC
Legal SubdivisionRIVER BLUFF FARMS
Legal BlockSEC 1
Legal Lot Number1
JurisdictionOLDHAM KY
Township / Civil DivisionPEWEE VALLEY
Census Block Group2
Census Block2001
Census Tract30801

Owner

Source: Oldham County records · APN 02-02A-01-1

Assessment roll updated December 23, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3708 RIVER BLUFF RD, PROSPECT, KY 40059-9227
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 09, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Jan 04, 2024Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 04, 2024 · Amount on Record
Deed SaleJan 04, 2024 · Amount on Record
Deed Document Number2024751402
Deed Book / Page1373 / 271
Record UpdatedJun 08, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOLDHAM KY
Recording DateApr 09, 2026
Property Address3708 RIVER BLUFF RD, PROSPECT, KY 40059-9227
Document Number0000857016
Book / Page2738 / 973
Instrument DateMar 30, 2026
Instrument2026857016
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3708 RIVER BLUFF RD, PROSPECT, KY 40059-9227

Mortgage

Document Number0000857016,
DateApr 09, 2026
Book Page2738/973
Instrument2026857016
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate TypeFixed Rate
Rate5.98%
Initial TypeFixed Rate
Max Rate-1%

January 2024: Deed, Transfer

Document TypeDeed
JurisdictionOLDHAM KY
Recording DateJan 04, 2024
Property Address3708 RIVER BLUFF RD, PROSPECT, KY 40059-9227
Document Number0D1373/271
Book / PageD1373 / 271
Map ReferenceMB 1 PG 32
Instrument DateDec 18, 2023
Instrument751402
Transaction TypeTransfer
Record UpdatedJan 17, 2024
Title CompanyLIMESTONE TITLE AND ESCROW LLC, LIMESTONE TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$350.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2601 MEADOWLARK CT, PROSPECT, KY 40059-9085

Transferred To (Grantee/Buyer)

NameVerified Name
Address3708 RIVER BLUFF RD, PROSPECT, KY 40059-9227

Mortgage

Document Number0000751405
DateJan 04, 2024
Instrument751405
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2054

Tax Assessment & Valuation

Source: Oldham County records · Assessment roll updated December 23, 2025 · Last verified April 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$4,356.00 (+48.37%)$350,000 (+25%) Land $50,000 Building $300,000$350,000 (+25%) Land $50,000 Building $300,000
2023$2,936.00 (-1.54%) Homeowner's exemption$280,000 (-) Land $50,000 Building $230,000$280,000 (-) Land $50,000 Building $230,000
2022$2,982.00 Homeowner's exemption$280,000 Land $50,000 Building $230,000$280,000 Land $50,000 Building $230,000

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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