10978 Big Bone Rd, Union, KY 41091 Property Records

Boone County property record for 10978 Big Bone Rd, Union, KY 41091

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 3 ba · 2,784 sqft · built 1989
Lot Size	10 acres (435,818 sqft)
Owner	Individual Name on File
Last Sale	$460,000 (May 2014)
Tax Bill	$2,930 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041.00-00-038.04`

Property Details

APN / Parcel Number

Primary APN	`041.00-00-038.04`
Alternative APN	`18166`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,784 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Wood
Lot Area	435,818 sqft (10 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	10978 BIG BONE RD
City	UNION
State	KY
Zip	41091-9637
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	10.005 AC ON BIG BONE RD (41-38B1)
Jurisdiction	BOONE KY
Township / Civil Division	WALTON
Census Block Group	2
Census Block	2004
Census Tract	70601

Owner

10978 Big Bone Rd, an agricultural property, is owned and occupied by an individual who bought it in May 2014.

Source: Boone County records, as of November 21, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10978 BIG BONE RD, UNION, KY 41091-9637
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2014 · Amount on File
Deed Sale	May 19, 2014 · Amount on File
Deed Document Number	653420
Deed Book / Page	D1037 / 208
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	10978 BIG BONE RD, UNION, KY 41091-9637
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M4421/694
Date	Mar 2, 2021
Book Page	M4421/694
Instrument	827880

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 10978 Big Bone Rd was $2,930.

Source: Boone County assessment roll, as of April 1, 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	$2,930.00	$353,600 Land $125,000 Building $228,600
2024			$353,600 (-) Land $125,000 Building $228,600
2023	$2,982.00 (+3.97%)	$353,600 (-) Land $125,000 Building $228,600	$353,600 (-) Land $125,000 Building $228,600
2022	$2,868.00	$353,600 Land $125,000 Building $228,600	$353,600 Land $125,000 Building $228,600

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

Flood

FEMA maps place 10978 Big Bone Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 10978 Big Bone Rd is low, with a 0.01% annual chance of 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.