Boone County property record for 3880 River Bluff Rd, Union, KY 41091
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,787 sqft · built 2016 |
| Lot Size | 5.92 acres (257,875 sqft) |
| Owner | Individual Name on File |
| Last Sale | $586,012 (Feb 2017) |
| Tax Bill | $7,338 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032.00-02-008.00 |
| Primary APN | 032.00-02-008.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,787 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Lot Area | 257,875 sqft (5.92 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3880 RIVER BLUFF RD |
|---|---|
| City | UNION |
| State | KY |
| Zip | 41091-8498 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8 RIVER VISTA (5.9221 AC) (32B-8) |
| Legal Subdivision | RIVER VISTA |
| Legal Lot Number | 8 |
| Jurisdiction | BOONE KY |
| Township / Civil Division | WALTON |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 70601 |
3880 River Bluff Rd is owned and occupied by an individual who bought it in February 2017.
Source: Boone County records, as of November 21, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 3880 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.
| Date | Document |
|---|---|
| Jun 24, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Feb 16, 2017 | Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB |
| Feb 16, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 16, 2017 · Amount on File |
| Deed Sale | Feb 16, 2017 · Amount on File |
| Prior Sale | Nov 6, 2015 |
| Deed Document Number | 720913 |
| Deed Book / Page | D1085 / 025 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 3880 RIVER BLUFF RD, UNION, KY 41091-8498 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | M4479/302 |
|---|---|
| Date | Jun 24, 2021 |
| Book Page | M4479/302 |
| Instrument | 839708 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount on Record |
|---|---|
| Term | 121 Months |
| Due | Jul 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 3880 RIVER BLUFF RD, UNION, KY 41091-8498 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | STERLING LAND TITLE AGENCY I |
| Name | Verified Name |
|---|
| Document Number | M4006/388 |
|---|---|
| Date | Feb 16, 2017 |
| Book Page | M4006/388 |
| Instrument | 720915 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 4.75% |
| Index | 1-Year CMT |
| Max Rate | 8.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Feb 16, 2017 |
| Property Address | 3880 RIVER BLUFF RD, UNION, KY 41091-8498 |
| Document Number | D1085/025 |
| Book / Page | D1085 / 025 |
| Map Reference | SL318A |
| Instrument Date | Feb 9, 2017 |
| Instrument | 720913 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 6, 2021 |
| Title Company | STERLING LAND TITLE AGENCY I |
| 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 |
|---|---|
| Address | 495 ERLANGER RD STE 101, 495, ERLANGER, KY 41018-1498 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3880 RIVER BLUFF RD, UNION, KY 41091-8498 |
| Document Number | 720914 |
|---|---|
| Date | Feb 16, 2017 |
| Instrument | 720914 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2032 |
The 2025 property tax bill for 3880 River Bluff Rd was $7,338.
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 | $7,338.00 | $650,000 Land $58,000 Building $592,000 | |
| 2024 | $650,000 (+10.92%) Land $58,000 Building $592,000 | ||
| 2023 | $6,743.00 (+2.49%) | $586,000 (-) Land $58,000 Building $528,000 | $586,000 (-) Land $58,000 Building $528,000 |
| 2022 | $6,579.00 | $586,000 Land $58,000 Building $528,000 | $586,000 Land $58,000 Building $528,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3880 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 3880 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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