2178 Algiers St, Union, KY 41091 Property Records

Boone County property record for 2178 Algiers St, Union, KY 41091

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,512 sqft · built 2005
Lot Size	0.141 acres (6,145 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Aug 2022)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	Dec 2022 Transfer Oct 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`051.00-06-251.00`

Property Details

APN / Parcel Number

Primary APN	`051.00-06-251.00`
Alternative APN	`27044`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,512 sqft Finished Area
Basement Area	728 sqft
Unfinished Basement	728 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Lot Area	6,145 sqft (0.141 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2178 ALGIERS ST
City	UNION
State	KY
Zip	41091-7419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 251 SEC 12 ORLEANS NORTH
Legal Subdivision	ORLEANS NORTH
Legal Lot Number	251
Jurisdiction	BOONE KY
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2003
Census Tract	70318

Owner

Source: Boone County records, as of September 28, 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	2178 ALGIERS ST, UNION, KY 41091-7419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Oct 19, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage L&N FCU
Aug 2, 2022	Warranty Deed, Transfer · Line of Credit GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2022 · Amount on Record
Deed Sale	Aug 2, 2022 · Amount on Record
Prior Sale	Nov 4, 2005 · Amount on Record
Deed Document Number	2022880142
Deed Book / Page	1191 / 798
Last Transfer Date	Nov 29, 2022
Transfer Doc	0D1199/306
Record Updated	Oct 29, 2026

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOONE KY
Recording Date	Dec 21, 2022
Property Address	2178 ALGIERS ST, UNION, KY 41091-7419
Document Number	0D1199/306
Book / Page	D1199 / 306
Map Reference	CAB 5 SL 191
Instrument Date	Nov 29, 2022
Instrument	913129
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2178 ALGIERS ST, UNION, KY 41091-7419

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	2178 ALGIERS ST, UNION, KY 41091-7419
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M4062/703
Date	Oct 19, 2017
Book Page	M4062/703
Instrument	737765

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	2178 ALGIERS ST, UNION, KY 41091-7419
Transaction Type	Mortgage
Record Updated	Aug 9, 2022
Title Company	BRIDGETRUST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M4399/955
Date	Jan 12, 2021
Book Page	M4399/955
Instrument	823367

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.75%
Type Change Date	Jan 1, 2026
Change Frequency	Annually
Min Rate At Change	3.37%
Max Rate At Change	5.75%
Index	1-Year LIBOR
Max Rate	9.75%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Aug 2, 2022
Property Address	2178 ALGIERS ST, UNION, KY 41091-7419
Document Number	0D1191/798
Book / Page	D1191 / 798
Map Reference	CAB 5 SL 191
Instrument Date	Jul 22, 2022
Instrument	880142
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2178 ALGIERS ST, 2178, UNION, KY 41091-7419

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	10700 HANOVER CT, INDEPENDENCE, KY 41051-9051

Mortgage

Document Number	0000880143
Date	Aug 2, 2022
Instrument	880143

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Boone County assessment roll, as of November 24, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Boone County
Municipality	Florence City
Unified School District	Boone County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,611.00 (-2.14%)	$275,000 (-) Land $30,000 Building $245,000
2024			$275,000 (-) Land $30,000 Building $245,000
2023	$2,668.00 (+49.38%)	$275,000 (+45.89%) Land $30,000 Building $245,000	$275,000 (+45.89%) Land $30,000 Building $245,000
2022	$1,786.00	$188,500 Land $30,000 Building $158,500	$188,500 Land $30,000 Building $158,500

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 Policies	4 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLORENCE WATER & SEWER serves 29,351 people · EPA ID KY0080135
Water Source	Purchased surface water from BOONE-FLORENCE WATER COMMISSION
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2021–2023) 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 431 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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