11129 Kirby Ln, Union, KY 41091 Property Records

Boone County property record for 11129 Kirby Ln, Union, KY 41091

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,838 sqft · built 2021
Lot Size	16.2 acres (709,462 sqft)
Owner	Individual Name on Record
Tax Bill	$5,606 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041.00-00-046.02`

Property Details

APN / Parcel Number

Primary APN	`041.00-00-046.02`
Alternative APN	`15455`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,838 sqft Finished Area

Exterior

Year Built	Built 2021
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Lot Area	709,462 sqft (16.2 acres)
Garage Type	Attached
Garage Area	421 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	11129 KIRBY LN
City	UNION
State	KY
Zip	41091-7634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	15.6272 AC SEC 3 KIRBY HEIGHTS (41-46A)
Legal Subdivision	KIRBY HEIGHTS
Legal Tract	B
Legal Lot Number	6
Jurisdiction	BOONE KY
Township / Civil Division	WALTON
Census Block Group	1
Census Block	1007
Census Tract	70601

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	2282 BERKSHIRE CT, FLORENCE, KY 41042-7827
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Feb 17, 2022	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2020
Deed Sale	Apr 13, 2020
Deed Document Number	0001142985
Prior Transfer Date	Jul 1, 2013
Prior Transfer Doc	631898
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	11129 KIRBY LN, UNION, KY 41091-7634
Transaction Type	Mortgage
Record Updated	Dec 2, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M4426/403
Date	Mar 9, 2021
Book Page	M4426/403
Instrument	828721

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Apr 1, 2022
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	11129 KIRBY LN, UNION, KY 41091-7634
Transaction Type	Mortgage
Record Updated	Dec 2, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M4574/100
Date	Feb 17, 2022
Book Page	M4574/100
Instrument	862972

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

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	$5,606.00 (-1.79%)	$495,000 (-) Land $160,000 Building $335,000
2024			$495,000 (-) Land $160,000 Building $335,000
2023	$5,708.00 (+2.72%)	$495,000 (-) Land $160,000 Building $335,000	$495,000 (-) Land $160,000 Building $335,000
2022	$5,557.00	$495,000 Land $160,000 Building $335,000	$495,000 Land $160,000 Building $335,000

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 Claims	3 (1996–1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 2 claims

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 17 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

Cell Coverage

5G and 4G LTE (outdoors only)

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