Boone County property record for 10596 Lower River Rd, Union, KY 41091
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,128 sqft · built 2006 |
| Lot Size | 1.46 acres (63,598 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $115,000 (Apr 2011) |
| Tax Bill | $1,824 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 012.00-00-016.07 |
| Primary APN | 012.00-00-016.07 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,128 sqft Finished Area |
| Basement Area | 1,128 sqft |
| Unfinished Basement | 1,128 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 63,598 sqft (1.46 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 10596 LOWER RIVER RD |
|---|---|
| City | UNION |
| State | KY |
| Zip | 41091-9420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.473 AC ON LOWER RIVER RD (12-16D2) |
| Legal Subdivision | HARRY SCHWABE |
| Jurisdiction | BOONE KY |
| Township / Civil Division | BURLINGTON |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 70502 |
Source: Boone County records, as of January 16, 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 Record |
|---|---|
| Mailing Address | 10596 LOWER RIVER RD, UNION, KY 41091-9420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Dec 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2011 · Amount on Record |
| Deed Sale | Apr 19, 2011 · Amount on Record |
| Deed Document Number | 2011564162 |
| Deed Book / Page | 1172 / 893 |
| Last Transfer Date | Dec 4, 2015 |
| Transfer Doc | D1064/331 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 10596 LOWER RIVER RD, UNION, KY 41091-9420 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10596 LOWER RIVER RD, UNION, KY 41091-9420 |
| Document Number | M4435/427 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | M4435/427 |
| Instrument | 830394 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 8, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 10596 LOWER RIVER RD, UNION, KY 41091-9420 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | GENESIS TITLE |
| Name | Verified Name |
|---|
| Document Number | M4389/534 |
|---|---|
| Date | Dec 17, 2020 |
| Book Page | M4389/534 |
| Instrument | 821185 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Boone County assessment roll, as of November 24, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Boone County |
| Unified School District | Boone County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,824.00 (-16.25%) | $205,000 (+11.41%) Land $35,000 Building $170,000 | |
| 2024 | $205,000 (+11.41%) Land $35,000 Building $170,000 | ||
| 2023 | $2,178.00 (+3.17%) | $184,000 (-) Land $35,000 Building $149,000 | $184,000 (-) Land $35,000 Building $149,000 |
| 2022 | $2,111.00 | $184,000 Land $35,000 Building $149,000 | $184,000 Land $35,000 Building $149,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Feb 2018 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| altafiber Network Solutions Fiber | 1,000 / 500 |
| T-Mobile Fixed Wireless | 100 / 20 |
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