10109 Duncan Dr, Florence, KY 41042 Property Records

Boone County property record for 10109 Duncan Dr, Florence, KY 41042 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,080 sqft · built 1974
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (Jun 2022)
Tax Bill	$2,091 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`063.01-03-017.00`

Property Details

APN / Parcel Number

Primary APN	`063.01-03-017.00`
Alternative APN	`466`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,080 sqft Finished Area
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,075 sqft (0.92 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	525 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	10109 DUNCAN DR
City	FLORENCE
State	KY
Zip	41042-3148
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 SEC 3 CHARLES DUNCAN SUB (63C-67)
Legal Subdivision	CHARLES DUNCAN SUB
Legal Lot Number	17
Jurisdiction	BOONE KY
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1009
Census Tract	70309

Owner

Source: Boone County records · APN 063.01-03-017.00

Assessment roll updated November 24, 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 Record	Individual Name on File
Mailing Address	10109 DUNCAN DR, FLORENCE, KY 41042-3148
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 08, 2022 · Amount on Record
Deed Sale	Jun 08, 2022 · Amount on Record
Prior Sale	Aug 02, 2002 · Amount on Record
Deed Document Number	2022872954
Deed Book / Page	1188 / 550
Prior Transfer Date	May 26, 2022
Prior Transfer Doc	0D1188/550
Record Updated	Jun 08, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Jun 08, 2022
Property Address	10109 DUNCAN DR, FLORENCE, KY 41042-3148
Document Number	0D1188/550
Book / Page	D1188 / 550
Map Reference	MB 11 PG 6
Instrument Date	May 26, 2022
Instrument	872954
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	SEO TITLE AGENCY, SAFE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10109 DUNCAN DR, 10109, FLORENCE, KY 41042-3148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10109 DUNCAN DR, FLORENCE, KY 41042-3148

Mortgage

Document Number	0000872955
Date	Jun 08, 2022
Instrument	872955

Lender

Name	KEMBA CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Jun 01, 2037
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	8%

Tax Assessment & Valuation

Source: Boone County records · Assessment roll updated November 24, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Boone County
Unified School District	Boone 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	$2,091.00 (-1.78%)	$188,000 (-) Land $35,000 Building $153,000
2024			$188,000 (-) Land $35,000 Building $153,000
2023	$2,129.00 (+3.2%)	$188,000 (-) Land $35,000 Building $153,000	$188,000 (-) Land $35,000 Building $153,000
2022	$2,063.00	$188,000 Land $20,000 Building $168,000	$188,000 Land $20,000 Building $168,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Boone County (21015C), updated March 21, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 210150703091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 1 individual NFIP policies nearby
Nearby Flood Policies	1 in force 1 of 1 on primary residences
Nearby Flood Claims	3 (1997–2008)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jun 2008, river or lake flooding

Wildfire

Wildfire Risk	Low above 6% of the US · above 6% of Kentucky
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.