Boone County property record for 11997 Cloverbrook Dr, Union, KY 41091
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,966 sqft · built 2017 |
| Lot Size | 0.185 acres (8,078 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Jan 2022) |
| Tax Bill | $5,137 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 064.33-07-048.00 |
| Primary APN | 064.33-07-048.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,966 sqft Finished Area |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Stone |
| Construction Type | Wood |
| Lot Area | 8,078 sqft (0.185 acres) |
| Garage Type | Attached |
| Garage Area | 412 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 11997 CLOVERBROOK DR |
|---|---|
| City | UNION |
| State | KY |
| Zip | 41091-7842 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 48 SEC 33 BLK A TRIPLE CROWN COUNTRY CLUB |
| Legal Subdivision | TRIPLE CROWN CC |
| Legal Block | A |
| Legal Lot Number | 48 |
| Jurisdiction | BOONE KY |
| Township / Civil Division | WALTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 70605 |
11997 Cloverbrook Dr is owned and occupied by two individuals who bought it in January 2022.
Source: Boone County records, as of November 24, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| 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.
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Jan 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jun 8, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 2, 2017 | Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY COMMUNITY BANK |
| Jun 28, 2017 | Deed, Construction Loan |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 25, 2022 · Amount on File |
| Deed Sale | Jan 25, 2022 · Amount on File |
| Prior Sale | Nov 2, 2017 · Amount on File |
| Deed Document Number | 2022859737 |
| Deed Book / Page | 1181 / 360 |
| Prior Transfer Date | May 26, 2020 |
| Prior Transfer Doc | 0D1145/446 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Title Company | EXETER TITLE COMPANY, EXECUTIVE TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0M4403/679 |
|---|---|
| Date | Jan 21, 2021 |
| Book Page | M4403/679 |
| Instrument | 824154 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WAYNE, IN 46804 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Jan 25, 2022 |
| Property Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Document Number | 0D1181/360 |
| Book / Page | D1181 / 360 |
| Map Reference | CAB 6 SL 70 |
| Instrument Date | Jan 13, 2022 |
| Instrument | 859737 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8989 BAY BREEZE LN, INDIANAPOLIS, IN 46236-8568 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Document Number | 0000859738 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 859738 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Jun 8, 2020 |
| Property Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Document Number | 0D1145/446 |
| Book / Page | D1145 / 446 |
| Map Reference | CAB 6 SL 70 |
| Instrument Date | May 26, 2020 |
| Instrument | 803277 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2025 |
| Title Company | CINCINNATUS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Document Number | 0000803278 |
|---|---|
| Date | Jun 8, 2020 |
| Instrument | 803278 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jul 1, 2035 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Nov 2, 2017 |
| Property Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Document Number | 0D1098/966 |
| Book / Page | D1098 / 966 |
| Map Reference | CAB 6 SL 70 |
| Instrument Date | Oct 25, 2017 |
| Instrument | 738771 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 24, 2025 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 100, 100, ERLANGER, KY 41018-1025 |
| Name | Verified Name |
|---|---|
| Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Document Number | 0000738772 |
|---|---|
| Date | Nov 2, 2017 |
| Instrument | 738772 |
| Name | VICTORY COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2032 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Jun 28, 2017 |
| Property Address | 11997 CLOVERBROOK DR, UNION, KY 41091-7842 |
| Document Number | 0D1091/996 |
| Book / Page | D1091 / 996 |
| Map Reference | CAB 6 PG 70 |
| Instrument Date | Jun 23, 2017 |
| Instrument | 729861 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 24, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 100, 100, ERLANGER, KY 41018-1025 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 11997 Cloverbrook Dr was $5,137.
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 | $5,137.00 | $453,000 Land $60,000 Building $393,000 | |
| 2024 | $453,000 (+5.35%) Land $60,000 Building $393,000 | ||
| 2023 | $4,968.00 (+13.63%) | $430,000 (-) Land $55,000 Building $375,000 | $430,000 (-) Land $55,000 Building $375,000 |
| 2022 | $4,372.00 | $430,000 Land $55,000 Building $375,000 | $430,000 Land $55,000 Building $375,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11997 Cloverbrook Dr 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 risk around 11997 Cloverbrook Dr 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 291 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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