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1529 Riverside Dr, Prospect, KY, 40059

3beds
2baths
1,380sqft
$349,900
$254price/sqft
$2,454/moest. monthly cost
$98,160/yrincome needed

About This Home

Charming 3 Bedroom 1.5 Bath home situated on an oversized double lot in the desirable Riverside Drive Area of Prospect with permanently protected river view. Recent updates include kitchen cabinetry and countertops, updated bathrooms, new HVAC system, flooring, on demand hot water heater, doors and windows. Enjoy beautiful river views from upper deck. Spacious yard with room for entertaining and plenty of room for parking your boat, RV or jet ski's.Private keyed boat ramp at end of street for community use only. Boat Storage lot. Conveniently located near shopping, dining, parks and award winning schools. Move- in ready. Exceptional Prospect location surrounded by substantial investment and luxury home construction, offering a unique combination of value, river views, and future potential.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
17
BikeSomewhat Bikeable

Schools

8/10
9/10
10/10
North Oldham High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Architectural style: Other
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bedroom

  • Level: First

Bedroom

  • Level: Second

Bedroom

  • Level: Second

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Dining Area

  • Level: First

Family Room

  • Level: First

Features

  • Number of fireplaces: 1
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,380

Full Bathroom

  • Level: Second

Half Bathroom

  • Level: First

Heating & Cooling

  • Heating features: MiniSplit/Ductless
  • Cooling features: Ductless

Interior Area

  • Total structure area: 1,380
  • Total interior livable area: 1,380 sqft

Kitchen

  • Level: First

Laundry

  • Level: Second

Loft

  • Level: Second

Office

  • Level: First

Property

Details

  • Parcel number: 0101A00140&141

Features

  • Stories: 2
  • Patio & porch: Deck,Patio,Porch
  • Exterior features: Balcony
  • Fencing: Chain Link

Lot

  • Lot size: 0.44 Acres
  • Features: Flood Insurance Req
  • Lot size dimensions: <.3

Parking

  • Parking features: Off Street,Driveway
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Strong Wind
Tornado
Cold Wave
Ice Storm
Winter Weather

FEMA Declared Disasters Across Kentucky Counties

Flood
Mud Landslide
Severe Storm
Straight Line Winds
Tornado
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,769$21,228
Home Insurance *$138$1,656
Property Taxes $393$4,716
Electricity $154$1,850
Total$2,454$29,448
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$84,137/yr
40% on housing$73,620/yr
45% on housing$65,440/yr

Kentucky FAIR Plan Programs

Kentucky FAIR Plan Reinsurance Association

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,102Commercial: 175
Total Premiums$2.55M
Total Exposure$206.09M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 7.6%
7.6%
0%30.0%
Electricity Growth Rate10-year average: 6.0%
6.0%
0%15.0%
Property Taxes Growth Rate2-year average: -1.2%
-1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$254This listing

vs Other Active Listings

Avg $/sqft

ZIP 40059$277
Oldham County$226

vs Homes Sold Last Month

Median $/sqft

ZIP 40059$213
Oldham County$185

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-03Price change$349,900
2026-07-26Price change$359,900
2026-07-04Price change$369,900
2026-06-28Price change$375,000
2026-06-10Listed for sale$379,900
2012-08-30Sold$120,000

For Sale by Agent

AgentDonna Mink
BrokerageMink Realty

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