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Single Family ResidenceResidential
$529,254$220 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 94How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $377,500 on Dec 12, 2019

3509 RIVER BLUFF RD

PROSPECT, KY 40059
4
Beds
3 / 1
Baths
2,404 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.44 ac
Lot SizeThe size of the land the home sits on, from county records.
1992
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$529K
$499K low$559K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$377,500 · Dec 12, 2019
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$170,629
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$136,503
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.66%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$358,625
AMERICAN MORTGAGE SERVICE CO · recorded Dec 12, 2019

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,972 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$400,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$50,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$350,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$400,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$400,000

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOldham
Lot (acres)The size of the land the home sits on, from county records.0.44
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.Yes

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Goshen Elementary SchoolA
Elementary · Grades KG–5 · 0.6 mi
M
North Oldham Middle SchoolA
Middle · Grades 6–8 · 1.9 mi
H
North Oldham High SchoolA+
High · Grades 9–12 · 2.0 mi

District: Oldham County School District

Neighborhood · ZIP 40059These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.40
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.115
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.45

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.39%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.1.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.5%
PopulationHow many people live in this area.20,754
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.687 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$161,695
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$242,554
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3509 River Bluff Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 66% of homes in Prospect 40059
  • Bigger than 70% of homes in Oldham County

What homes are worth in Prospect 40059

Each bar is how many homes fall in that price range. The marker is this home.

This home
$75K$2M

This home is worth more than 34% of homes in Prospect 40059.

How it measures up in Prospect 40059

The dot is this home. The mark in the middle is the typical home in Prospect 40059.

Estimated value$529,254
CheaperTypical $656,131Pricier

Pricier than 34% of homes nearby

Price per ft²$220
CheaperTypical $221Pricier

Pricier than 49% of homes nearby

Living area2,404 ft²
SmallerTypical 2,649 ft²Bigger

Bigger than 40% of homes nearby

Lot size0.44 ac
SmallerTypical 0.39 acBigger

Bigger than 58% of homes nearby

Year built1992
OlderTypical 1994Newer

Newer than 45% of homes nearby

How 3509 River Bluff Rd ranks against every home in each area.
MeasureThis homeProspect 40059Oldham County
Estimated valuepricier than$529,25434% of homes66% of homes
Price per ft²pricier than$22049% of homes51% of homes
Living areabigger than2,404 ft²40% of homes70% of homes
Lot sizebigger than0.44 ac58% of homes39% of homes
Year builtnewer than199245% of homes50% of homes

About 3509 River Bluff Rd

How much is 3509 River Bluff Rd, Prospect, KY worth?

The TopHap Estimate for 3509 River Bluff Rd, Prospect, KY is $529,254 as of Jul 14, 2026. The likely range is $499,063 to $559,445. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3509 River Bluff Rd, Prospect, KY last sell?

3509 River Bluff Rd, Prospect, KY last sold on Dec 12, 2019 for $377,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 3509 River Bluff Rd, Prospect, KY?

3509 River Bluff Rd, Prospect, KY has 4 bedrooms, 3 bathrooms, 2,404 square feet of living space and a 0.44-acre lot.

When was 3509 River Bluff Rd, Prospect, KY built?

3509 River Bluff Rd, Prospect, KY was built in 1992, making it 34 years old. The building has 2 stories.

What schools serve 3509 River Bluff Rd, Prospect, KY?

3509 River Bluff Rd, Prospect, KY is assigned to Goshen Elementary School (elementary), rated A; North Oldham Middle School (middle), rated A; North Oldham High School (high), rated A+. All sit in Oldham County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3509 River Bluff Rd, Prospect, KY compare to other homes in Prospect 40059?

Among the 8,612 homes in Prospect 40059, it is worth more than 34% of them ($529,254 against a typical $656,131), its price per square foot is higher than 49% of them ($220 against a typical $221), it is bigger than 40% of them (2,404 ft² against a typical 2,649 ft²), its lot is bigger than 58% of them (0.44 ac against a typical 0.39 ac) and it is newer than 45% of them (1992 against a typical 1994). Measured against all of Oldham County, it is worth more than 66% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3509 River Bluff Rd, Prospect, KY?

The 2025 property tax bill for 3509 River Bluff Rd, Prospect, KY was $4,972. The county assessed it at $400,000.

Closest homes

More homes in Prospect 40059

Assigned schools

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