River Bluff, KY (40059): Homes in the Small Oldham County City Next to Prospect
By Spencer Lowe, Real Estate Go To · Licensed Kentucky real estate agent since 2019 · Updated October 10, 2026
Key Takeaway / Quick Answer: River Bluff, KY is a small home rule city in Oldham County with a Prospect (40059) mailing address and a 2020 Census population of 436. From October 2024 through September 2026, nine homes filed under "City of River Bluff" or "River Bluff" in the GLAR MLS sold for a median of $452,000, on lots of about 0.55 to 0.83 acres.
River Bluff, KY homes show up in Prospect searches with a Prospect mailing address, and that's exactly what trips buyers up. River Bluff is its own city, entirely in Oldham County, so the taxes, schools and city services can differ from a home a mile away inside the City of Prospect. Nobody wants to discover that after making an offer. I'm Spencer Lowe, a real estate agent with Real Estate Go To, licensed in Kentucky since 2019. Here's what River Bluff homes actually sold for in the GLAR MLS and what the city line means for you. For the bigger picture on the area, see Spencer Lowe, Prospect KY real estate agent.
Is River Bluff, KY part of Prospect?
No. River Bluff is its own home rule city in Oldham County, incorporated May 13, 1980, according to the Kentucky Secretary of State's city records. Its homes use the Prospect (40059) mailing address, but they aren't inside the City of Prospect. The 2020 Census counted 436 residents. The Kentucky Atlas & Gazetteer places River Bluff near the Ohio River, close to the Jefferson County line, about 12 miles west of La Grange.
Related: Prospect ZIP codes explained
How much do homes in River Bluff, KY cost?
From October 2024 through September 2026, nine homes filed under "City of River Bluff" or "River Bluff" in the GLAR MLS sold for a median of $452,000, ranging from $254,000 to $700,000. River Bluff is small, so I used a 24-month window to get a meaningful number of sales.
| Feature / Metric | Details |
|---|---|
| Location | City of River Bluff, Oldham County, KY (Prospect 40059 mailing address) |
| Homes sold | 9 (GLAR MLS, Oct. 2024 – Sep. 2026) |
| Median sale price | $452,000 |
| Sale price range | $254,000 – $700,000 |
| Median price per sq ft | About $248 (above-grade finished area) |
| Year built (homes sold) | 1965 – 1984 (one record missing a year) |
| Lot sizes (homes sold) | About 0.55 – 0.83 acres |
| Population (2020 Census) | 436 |
Source: GLAR MLS via Flexmls, residential closed sales in Oldham County filed under the subdivision names "City of River Bluff" and "River Bluff," October 1, 2024 – September 30, 2026, pulled October 10, 2026. Deemed reliable but not guaranteed.
What did each River Bluff home sell for?
| Sale price | Size (above grade) | Bedrooms | Year built | Lot |
|---|---|---|---|---|
| $700,000 | ~2,840 sq ft | 5 | 1976 | ~0.76 ac |
| $537,500 | ~1,850 sq ft | 3 | 1976 | ~0.83 ac |
| $499,500 | ~1,179 sq ft | 3 | 1972 | ~0.62 ac |
| $475,000 | ~1,593 sq ft | 4 | 1984 | ~0.56 ac |
| $452,000 | ~1,520 sq ft | 3 | 1965 | ~0.82 ac |
| $427,500 | ~2,175 sq ft | 4 | 1974 | ~0.55 ac |
| $418,000 | ~1,805 sq ft | 4 | 1973 | ~0.55 ac |
| $372,000 | ~1,502 sq ft | 3 | 1978 | ~0.74 ac |
| $254,000 | ~2,450 sq ft | 4 | Not listed | ~0.70 ac |
Source: GLAR MLS via Flexmls, Oct. 1, 2024 – Sep. 30, 2026. Deemed reliable but not guaranteed.
Price per square foot ran from about $104 to $424. That spread tells you condition and updates drive value here more than size. A smaller, updated home can outsell a larger one that needs work.
How is River Bluff different from the City of Prospect?
River Bluff is entirely in Oldham County, while the City of Prospect spans Jefferson and Oldham counties.
| River Bluff | City of Prospect | |
|---|---|---|
| County | Oldham | Jefferson and Oldham |
| Population (2020 Census) | 436 | 4,592 |
| Mailing address | Prospect, KY 40059 | Prospect, KY 40059 |
Sources: Kentucky Secretary of State city records; U.S. Census Bureau 2020 (via Wikipedia).
Related: Prospect vs. Goshen, Anchorage and Middletown
How do taxes work for River Bluff homeowners?
Living in Oldham County changes more than your property tax bill.
- Property taxes. Look up the property on the Oldham County PVA rather than estimating from a Jefferson County home. See Property taxes in Prospect.
- Louisville Metro occupational tax. Per the Louisville Metro Revenue Commission's 2025 OL-3D instructions, the rate is 2.2% for Louisville Metro residents and 1.45% for nonresidents. If you live in River Bluff and work in Louisville, the nonresident rate is the one to ask your tax professional about.
- Kentucky income tax is a flat 3.5% for taxable years beginning on or after January 1, 2026, under 2025's House Bill 1.
This is general information, not tax advice.
Which schools serve River Bluff?
River Bluff is in Oldham County, so its public schools are Oldham County Schools. Confirm school assignment for the specific address with the district. See Jefferson vs. Oldham County schools.
How do you buy in River Bluff? A simple 3-step plan
- Compare River Bluff with Prospect. The neighborhood guide below shows sold prices across Prospect neighborhoods so you can see how River Bluff's prices sit.
- Confirm the city and county for the address. I check the PVA record so you know which city, county, taxes and schools apply.
- Price on condition. I pull the closest River Bluff sales by size, lot and updates, and we check septic or sewer and the age of major systems before you offer.
Shopping in Prospect? Start with the neighborhoods
My free Prospect Neighborhood Guide compares what homes actually sold for, plus HOA dues, across 20 Prospect neighborhoods, built from a year of GLAR MLS sales. Instant download.
Get the free neighborhood guideAlready own in Prospect? Get the free market snapshot.
What should you check before buying in River Bluff?
- City services. As its own city, River Bluff may handle some services differently than Prospect or unincorporated Oldham County. Ask the city what it provides.
- Sewer or septic, and water. Ask the seller and verify. If the home is on septic, get it inspected.
- Older-home systems. With homes from the 1960s through the early 1980s, focus your inspection on the roof, HVAC, electrical, plumbing and drainage.
- Flood zone. Check FEMA's flood map for any home near the river or low ground.
What's at stake, and what does success look like?
The risk in River Bluff is comparing it to Prospect as if it were the same place. Taxes, schools and city services follow the city and county, not the mailing address, and the price per square foot here ranged widely with condition.
Success looks like this: you've confirmed the city and county for the address, you know the tax and school picture, and your offer is based on the River Bluff sales closest to the home's condition and lot.
Frequently Asked Questions About River Bluff, KY
Q: Is River Bluff part of Prospect, KY?
No. River Bluff is its own home rule city in Oldham County. Its homes use a Prospect (40059) mailing address, but they are not inside the City of Prospect.
Q: What county is River Bluff, KY in?
River Bluff is in Oldham County, so property taxes run through Oldham County and public schools are Oldham County Schools. Confirm school assignment for a specific address with the district.
Q: How much do homes in River Bluff, KY cost?
From October 2024 through September 2026, nine homes filed under "City of River Bluff" or "River Bluff" in the GLAR MLS sold for a median of $452,000, ranging from $254,000 to $700,000.
Q: How many people live in River Bluff, KY?
The 2020 Census counted 436 residents in River Bluff.
Q: When was River Bluff, KY incorporated?
The Kentucky Secretary of State's city records list River Bluff's incorporation date as May 13, 1980.
Looking at River Bluff?
If you're comparing River Bluff with homes inside Prospect, I'll lay out the tax, school and price differences for the specific homes you're considering. Call or text me, Spencer Lowe, at (502) 974-0099. To see how the Prospect neighborhoods compare, start with the Prospect Neighborhood Guide.
Data sources: GLAR MLS via Flexmls (residential closed sales, "City of River Bluff" and "River Bluff," Oldham County, Oct. 1, 2024 – Sep. 30, 2026, pulled Oct. 10, 2026), deemed reliable but not guaranteed; Kentucky Secretary of State city records; U.S. Census Bureau 2020 (via Wikipedia); Kentucky Atlas & Gazetteer; Louisville Metro Revenue Commission (2025 OL-3D instructions); Kentucky H.B. 1 (2025). Information changes; verify details before making decisions.
Disclaimer: This article is general information, not legal, tax, financial or lending advice. Market data is from the GLAR MLS via Flexmls and the other sources listed above; it is deemed reliable but not guaranteed, and it changes over time. Verify school assignments, property taxes, HOA rules, flood zones and other details with the appropriate office, lender, attorney or tax professional before making decisions.
Spencer Lowe is a real estate agent licensed in Kentucky since 2019 with Real Estate Go To. (502) 974-0099. Equal Housing Opportunity.