12491 Ryle Rd, Union, KY 41091 Property Records

Boone County property record for 12491 Ryle Rd, Union, KY 41091

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,431 sqft · built 1995
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Aug 2020)
Tax Bill	$2,310 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Aug 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`031.00-05-009.00`

Property Details

APN / Parcel Number

Primary APN	`031.00-05-009.00`
Alternative APN	`263`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,431 sqft Finished Area
Basement Area	1,431 sqft
Unfinished Basement	1,431 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Lot Area	47,045 sqft (1.08 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Patio Area	920 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12491 RYLE RD
City	UNION
State	KY
Zip	41091-9668
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT M-1 HUEY'S RESUB (31D-28)
Legal Subdivision	HUEYS RESUBDIVISION
Legal Lot Number	M-1
Jurisdiction	BOONE KY
Township / Civil Division	WALTON
Census Block Group	3
Census Block	3015
Census Tract	70601

Owner

Source: Boone County records, as of April 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	12491 RYLE RD, UNION, KY 41091-9668
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK KENTUCKY INC
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2020 · Amount on Record
Deed Sale	Aug 5, 2020 · Amount on Record
Prior Sale	Apr 12, 1995 · Amount on Record
Deed Document Number	2020808609
Deed Book / Page	1149 / 53
Prior Transfer Date	Jul 31, 2020
Prior Transfer Doc	00D1149/53
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	12491 RYLE RD, UNION, KY 41091-9668
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12491 RYLE RD, UNION, KY 41091-9668

Mortgage

Document Number	0M4903/866
Date	Mar 23, 2026
Book Page	M4903/866
Instrument	1232566

Lender

Name	FIFTH THIRD BANK KENTUCKY INC
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2056

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Aug 5, 2020
Property Address	12491 RYLE RD, UNION, KY 41091-9668
Document Number	00D1149/53
Book / Page	D1149 / 53
Map Reference	MB 12 PG 1
Instrument Date	Jul 31, 2020
Instrument	808609
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12491 RYLE RD, 12491, UNION, KY 41091-9668

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	12491 RYLE RD, UNION, KY 41091-9668

Mortgage

Document Number	0000808610
Date	Aug 5, 2020
Instrument	808610

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

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	$2,310.00 (+8.81%)	$200,000 (+11.11%) Land $20,000 Building $180,000
2024			$200,000 (+11.11%) Land $20,000 Building $180,000
2023	$2,123.00 (+5.1%)	$180,000 (-) Land $20,000 Building $160,000	$180,000 (-) Land $20,000 Building $160,000
2022	$2,020.00	$180,000 Land $20,000 Building $160,000	$180,000 Land $20,000 Building $160,000

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1997–2018)
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	Under 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 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 (outdoors only) and 4G LTE

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