3709 River Bluff Rd, Prospect, KY 40059 Property Records

Oldham County property record for 3709 River Bluff Rd, Prospect, KY 40059 · Last verified January 2026

Property Highlights

Property Type	Commercial > Retail
Year Built	Built 1972
Square Footage	1,500 sqft Living Area
Occupancy	Owner Occupied
Last Sale	$187,900 (2016)
Tax Bill	$1,906.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`02-02A-01-42`
Alternative APN	`55349`

Interior

Total Rooms	4 Rooms
Building Area	1,500 sqft Living Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	2 Fireplaces

Exterior

Year Built	Built 1972
Exterior Material	Brick Veneer Exterior
Construction Type	Frame Construction
Foundation Type	Block Foundation
Roof Material	Metal Roof

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	55349
Street Address	3709 RIVER BLUFF RD
City	PROSPECT
State	KY
Zip	40059-9001
Property Usage	Commercial Property Usage
Type	Commercial > Retail
Legal Description	RE OFFICE AT RIVER BLUFF
Legal Block	SEC 1
Legal Lot Number	42
Jurisdiction	OLDHAM KY
Minor Civil Division	PEWEE VALLEY
Census Blockgroup	2
Census Block	2009
Census Tract	30801

Owner

Source: Oldham County records · APN 02-02A-01-42

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
Co-owner	2 Verified Secondary Owners
Mailing Address	3709 RIVER BLUFF RD, PROSPECT, KY 40059-9001
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	4 Verified Names on Deed
Last Sale	Jul 08, 2016 · Amount on Record
Deed Sale	Jul 08, 2016 · Amount on Record
Deed Doc Number	511020
Deed Book / Page	D1137 / 126
Record Refreshed	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3709 RIVER BLUFF RD, PROSPECT, KY 40059-9001
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	BRIDGE TRUST TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2466/986
Date	Nov 17, 2020
Book Page	M2466/986
Instrument	605996

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

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

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

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	$1,906.00 (-2.16%) Homeowner's exemption	$200,000 (-) Land $50,000 Building $150,000	$200,000 (-) Land $50,000 Building $150,000
2023	$1,948.00 Homeowner's exemption	$200,000 Land $50,000 Building $150,000	$200,000 Land $50,000 Building $150,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.