Boone County property record for 12520 Bender Rd, Union, KY 41091
| Property Type | General Agricultural/Rural |
|---|---|
| Details | 3 bd · 1 ba · 1,640 sqft · built 1850 |
| Lot Size | 56 acres (2,439,360 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $648 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 032.00-00-012.00 |
| Primary APN | 032.00-00-012.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,640 sqft Finished Area |
| Year Built | Built 1850 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Lot Area | 2,439,360 sqft (56 acres) |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 12520 BENDER RD |
|---|---|
| City | UNION |
| State | KY |
| Zip | 41091-9676 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > General Agricultural/Rural |
| Legal Description | 56 AC ON BINDER RD (32-12) |
| Jurisdiction | BOONE KY |
| Township / Civil Division | WALTON |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 70601 |
12520 Bender Rd, an agricultural property, is owned by an individual.
Source: Boone County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 13249 BOAT DOCK RD, UNION, KY 41091-9631 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 12520 Bender Rd was $648.
Source: Boone County assessment roll, as of April 1, 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 | $648.00 | $393,600 Land $350,000 Building $43,600 | |
| 2024 | $393,600 (-) Land $350,000 Building $43,600 | ||
| 2023 | $659.00 (+14.41%) | $393,600 (-) Land $350,000 Building $43,600 | $393,600 (-) Land $350,000 Building $43,600 |
| 2022 | $576.00 | $393,600 Land $350,000 Building $43,600 | $393,600 Land $350,000 Building $43,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 12520 Bender Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 risk around 12520 Bender Rd is low, with less than 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 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.
Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
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