Oldham County property record for 3903 Sumerlin Dr, Buckner, KY 40010
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,144 sqft · built 1997 |
| Lot Size | 2.07 acres (90,474 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,110 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Apr 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 31-05A-01-33 |
| Primary APN | 31-05A-01-33 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,144 sqft Living Area |
| Fireplaces | 3 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Brick Veneer |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 90,474 sqft (2.07 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | 21588 |
|---|---|
| Street Address | 3903 SUMERLIN DR |
| City | BUCKNER |
| State | KY |
| Zip | 40010-8828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOUSE & 2.077 AC LOT |
| Legal Block | SEC 1 |
| Legal Lot Number | 33 |
| Jurisdiction | OLDHAM KY |
| Township / Civil Division | PEWEE VALLEY |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 30703 |
Source: Oldham County records · APN 31-05A-01-33
Assessment roll updated July 1, 2025 · Last verified January 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 File |
|---|---|
| Mailing Address | 3903 SUMERLIN DR, BUCKNER, KY 40010-8828 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THRIVE MORTGAGE LLC |
| Apr 01, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK |
| Jan 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 694-521 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3903 SUMERLIN DR, BUCKNER, KY 40010-8828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | BLUEGRASS LAND TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | M2483/601 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | M2483/601 |
| Instrument | 616023 |
| Name | THRIVE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | GEORGETOWN, TX 78633 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3903 SUMERLIN DR, BUCKNER, KY 40010-8828 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2019 |
| Title Company | HORNE TITLE |
| Name | Verified Name |
|---|
| Document Number | M2341/0690 |
|---|---|
| Date | Apr 01, 2019 |
| Book Page | M2341/0690 |
| Instrument | 550174 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OLDHAM KY |
| Property Address | 3903 SUMERLIN DR, BUCKNER, KY 40010-8828 |
| Transaction Type | Mortgage |
| Record Updated | Feb 09, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 535247 |
|---|---|
| Date | Jan 31, 2018 |
| Book Page | M2294/021 |
| Instrument | 535247 |
| Name | FIFTH THIRD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2033 |
Source: Oldham County records · Assessment roll updated July 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Oldham County |
| Unified School District | Oldham County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,110.00 (+16.66%) | $330,000 (+17.86%) Land $50,000 Building $280,000 | $330,000 (+17.86%) Land $50,000 Building $280,000 |
| 2023 | $3,523.00 | $280,000 Land $40,000 Building $240,000 | $280,000 Land $40,000 Building $240,000 |
Source: FEMA National Flood Hazard Layer, Oldham County (21185C), updated October 15, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211850307031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2022) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jul 2022 · rainfall accumulation |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 30 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | OLDHAM COUNTY WATER DISTRICT serves 38,409 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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