32 Julia Ave, Florence, KY 41042 Property Records

Boone County property record for 32 Julia Ave, Florence, KY 41042

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,040 sqft · built 1955
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$254,900 (Apr 2026)
Tax Bill	$1,560 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2022 Mortgage + 10 more
Flood Zone	Zone X (minimal risk)
APN	`061.07-24-013.00`

Property Details

APN / Parcel Number

Primary APN	`061.07-24-013.00`
Alternative APN	`11483`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,040 sqft Finished Area
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	174 ft deep x 50 ft wide
Patio Area	352 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	32 JULIA AVE
City	FLORENCE
State	KY
Zip	41042-2332
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17 FIFTH ADDITION FAIRFIELD SUB (F2-7-13)
Legal Subdivision	FAIRFIELD SUB
Legal Lot Number	17
Jurisdiction	BOONE KY
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2004
Census Tract	70202

Owner

Source: Boone County records, as of May 19, 2026

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 File
Mailing Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Jun 14, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
Oct 21, 2022	Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB
May 30, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Oct 27, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Apr 8, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Aug 19, 2024	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Feb 3, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 30, 2026	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD BANK
Nov 4, 2025	Warranty Deed, Construction Loan · Construction Mortgage KIAVI FUNDING INC
Apr 27, 2021	Warranty Deed, Transfer · FHA Mortgage ARC HOME LLC
Mar 10, 2006	Deed, Transfer · VA Mortgage TRI CORP FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2026 · Amount on File
Deed Sale	Apr 30, 2026 · Amount on File
Prior Sale	Nov 4, 2025 · Amount on File
Deed Document Number	20261247138
Deed Book / Page	1256 / 142
Prior Transfer Date	Apr 23, 2024
Prior Transfer Doc	0D1221/622
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4580/540
Date	Mar 11, 2022
Book Page	M4580/540
Instrument	865946

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	350 Months
Due	May 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4607/410
Date	Jun 14, 2022
Book Page	M4607/410
Instrument	873288

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	347 Months
Due	May 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4639/850
Date	Oct 21, 2022
Book Page	M4639/850
Instrument	900316

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	JACKSONVILLE, FL 32202

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	343 Months
Due	May 1, 2051

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4678/548
Date	May 30, 2023
Book Page	M4678/548
Instrument	947246

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	May 1, 2051

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4708/952
Date	Oct 27, 2023
Book Page	M4708/952
Instrument	983909

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	May 1, 2051

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4738/220
Date	Apr 8, 2024
Book Page	M4738/220
Instrument	1020612

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	8800 BAYMEADOWS WAY W STE 400, JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	325 Months
Due	May 1, 2051

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026
Title Company	TIMIOS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4765/959
Date	Aug 19, 2024
Book Page	M4765/959
Instrument	1055683

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Transaction Type	Mortgage
Record Updated	Jun 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0M4801/526
Date	Feb 3, 2025
Book Page	M4801/526
Instrument	1101599

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Feb 1, 2065

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Apr 30, 2026
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Document Number	0001247138
Book / Page	1256 / 142
Instrument Date	Apr 28, 2026
Instrument	2026.1247138
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,744.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	0001247141,
Date	Apr 30, 2026
Instrument	2026.1247141

Lender

Name	FIFTH THIRD BANK

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

November 2025: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Nov 4, 2025
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Document Number	00D1248/46
Book / Page	D1248 / 46
Map Reference	MB 4 PG 24
Instrument Date	Oct 31, 2025
Instrument	1187685
Transaction Type	Construction Loan
Record Updated	Nov 21, 2025
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$101.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1528 WYOMING ST, DAYTON, OH 45410-2206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10302 CHERRY LN, FLORENCE, KY 41042-3169
Investor	Possibly a Property Investor

Mortgage

Document Number	0001187689
Date	Nov 4, 2025
Instrument	1187689

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount on Record

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Apr 27, 2021
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Document Number	D1164/600
Book / Page	D1164 / 600
Map Reference	MB 4 PG 24
Instrument Date	Apr 23, 2021
Instrument	833941
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	BRIDGETRUST TITLE GROUP

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1022 SPRING CREEK DR, 1022, MURFREESBORO, TN 37129-7493

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	32 JULIA AVE, FLORENCE, KY 41042-2332

Mortgage

Document Number	833942
Date	Apr 27, 2021
Instrument	833942

Lender

Name	ARC HOME LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2006: Deed, Transfer

Document Type	Deed
Jurisdiction	BOONE KY
Recording Date	Mar 10, 2006
Property Address	32 JULIA AVE, FLORENCE, KY 41042-2332
Document Number	D912/554
Book / Page	D912 / 554
Map Reference	MB4 PG24
Instrument Date	Feb 22, 2006
Instrument	343157
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	REGIONAL TITLE INC

Transaction

Amount	Amount 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	1814 FARMHOUSE WAY, 1814, FLORENCE, KY 41042-7801

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M2995/158
Date	Mar 10, 2006
Book Page	M2995/158
Instrument	343158

Lender

Name	TRI CORP FINANCIAL INC
Address	FLORENCE, KY 41042

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2036

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	$1,560.00 (+2.03%)	$161,000 (-) Land $15,000 Building $146,000
2024	$1,529.00 (-4.02%)	$161,000 (-) Land $15,000 Building $146,000	$161,000 (-) Land $15,000 Building $146,000
2023	$1,593.00 (+4.46%)	$161,000 (-) Land $15,000 Building $146,000	$161,000 (-) Land $15,000 Building $146,000
2022	$1,525.00	$161,000 Land $15,000 Building $146,000	$161,000 Land $15,000 Building $146,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 98.2% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 287 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