10823 Sedco Dr, Union, KY 41091 Property Records

Boone County property record for 10823 Sedco Dr, Union, KY 41091

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,084 sqft · built 1980
Lot Size	1.03 acres (45,178 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Jun 2025)
Tax Bill	$3,548 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`064.00-03-083.00`

Property Details

APN / Parcel Number

Primary APN	`064.00-03-083.00`
Alternative APN	`3266`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,084 sqft Finished Area
Basement Area	2,108 sqft
Finished Basement	843 sqft
Unfinished Basement	1,265 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,178 sqft (1.03 acres)
Garage Type	Attached
Garage Area	556 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	208 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10823 SEDCO DR
City	UNION
State	KY
Zip	41091-9249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 83 SEC V SUBURABAN ESTATES (64C-75)
Legal Subdivision	SUBURABAN ESTATES
Legal Lot Number	83
Jurisdiction	BOONE KY
Township / Civil Division	WALTON
Census Block Group	1
Census Block	1001
Census Tract	70605

Owner

Source: Boone County records, as of July 21, 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	10823 SEDCO DR, UNION, KY 41091-9249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Feb 24, 2022	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK
Jun 2, 2020	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2025 · Amount on Record
Deed Sale	Jun 24, 2025 · Amount on Record
Deed Document Number	20251143173
Deed Book / Page	1241 / 412
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Recording Date	Jul 9, 2026
Property Address	10823 SEDCO DR, UNION, KY 41091-9249
Document Number	0001273871
Book / Page	4936 / 192
Instrument Date	Apr 25, 2026
Instrument	20261273871
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10823 SEDCO DR, UNION, KY 41091-9249

Mortgage

Document Number	0001273871,
Date	Jul 9, 2026
Book Page	4936/192
Instrument	20261273871

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	10823 SEDCO DR, UNION, KY 41091-9249
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10823 SEDCO DR, UNION, KY 41091-9249

Mortgage

Document Number	0M4646/391
Date	Nov 21, 2022
Book Page	M4646/391
Instrument	907728

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Oct 13, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	10823 SEDCO DR, UNION, KY 41091-9249
Transaction Type	Mortgage
Record Updated	Mar 8, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M4575/696
Date	Feb 24, 2022
Book Page	M4575/696
Instrument	864292

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	10823 SEDCO DR, UNION, KY 41091-9249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M4299/370
Date	Jun 2, 2020
Book Page	M4299/370
Instrument	802726

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 20, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Boone County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Boone County
Unified School District	Boone County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,548.00 (+19.7%)	$359,900 (+19.85%) Land $50,000 Building $309,900
2024			$359,900 (+19.85%) Land $50,000 Building $309,900
2023	$2,964.00 (+1.65%)	$300,300 (-) Land $45,000 Building $255,300	$300,300 (-) Land $45,000 Building $255,300
2022	$2,916.00	$300,300 Land $45,000 Building $255,300	$300,300 Land $45,000 Building $255,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BOONE CO WATER & SEWER DISTRICT serves 66,300 people · EPA ID KY0080034
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 231 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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