Boone County property record for 3860 River Bluff Rd, Union, KY 41091
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,520 sqft · built 2001 |
| Lot Size | 6.29 acres (273,992 sqft) |
| Owner | Individual Name on File |
| Last Sale | $410,000 (Nov 2020) |
| Tax Bill | $5,103 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 032.00-02-009.00 |
| Primary APN | 032.00-02-009.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,520 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Wood |
| Lot Area | 273,992 sqft (6.29 acres) |
| Garage Type | Attached |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3860 RIVER BLUFF RD |
|---|---|
| City | UNION |
| State | KY |
| Zip | 41091-8498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 9 RIVER VISTA (6.2930 AC) (32B-9) |
| Legal Subdivision | RIVER VISTA |
| Legal Lot Number | 9 |
| Jurisdiction | BOONE KY |
| Township / Civil Division | WALTON |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 70601 |
3860 River Bluff Rd is owned and occupied by an individual who bought it in November 2020.
Source: Boone County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3860 RIVER BLUFF RD, UNION, KY 41091-8498 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 20, 2020 · Amount on File |
| Deed Sale | Nov 20, 2020 · Amount on File |
| Prior Sale | Nov 8, 2010 · Amount on File |
| Deed Document Number | 818916 |
| Deed Book / Page | D1155 / 812 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Nov 20, 2020 |
| Property Address | 3860 RIVER BLUFF RD, UNION, KY 41091-8498 |
| Document Number | D1155/812 |
| Book / Page | D1155 / 812 |
| Map Reference | SL 318A |
| Instrument Date | Oct 8, 2020 |
| Instrument | 818916 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | PRIORITY NATIONAL TITLE SVCS |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 3860 RIVER BLUFF RD, UNION, KY 41091-8498 |
| Document Number | 818917 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 818917 |
| Name | 1ST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 1, 2035 |
The 2025 property tax bill for 3860 River Bluff Rd was $5,103.
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 | $5,103.00 | $450,000 Land $60,000 Building $390,000 | |
| 2024 | $450,000 (+9.76%) Land $60,000 Building $390,000 | ||
| 2023 | $4,740.00 (+2.98%) | $410,000 (-) Land $60,000 Building $350,000 | $410,000 (-) Land $60,000 Building $350,000 |
| 2022 | $4,603.00 | $410,000 Land $60,000 Building $350,000 | $410,000 Land $60,000 Building $350,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3860 River Bluff Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.
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 | 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 3860 River Bluff Rd 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 | 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 4 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 |
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