3909 Sumerlin Dr, Buckner, KY 40010 Property Records

Oldham County property record for 3909 Sumerlin Dr, Buckner, KY 40010

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,328 sqft · built 1994
Lot Size	1.2 acres (52,533 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Mar 2019)
Tax Bill	$4,356 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-05A-01-36`

Property Details

APN / Parcel Number

Primary APN	`31-05A-01-36`
Alternative APN	`61470`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	52,533 sqft (1.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	61470
Street Address	3909 SUMERLIN DR
City	BUCKNER
State	KY
Zip	40010-8828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE, DET GARAGE & 1.206 AC LOT
Legal Block	SEC 1
Legal Lot Number	36
Jurisdiction	OLDHAM KY
Township / Civil Division	PEWEE VALLEY
Census Block Group	1
Census Block	1024
Census Tract	30703

Owner

Source: Oldham County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3909 SUMERLIN DR, BUCKNER, KY 40010-8828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Mar 18, 2019	Warranty Deed, Transfer · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2019 · Amount on Record
Deed Sale	Mar 18, 2019 · Amount on Record
Deed Document Number	549706
Deed Book / Page	D1213 / 0252
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OLDHAM KY
Property Address	3909 SUMERLIN DR, BUCKNER, KY 40010-8828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M2476/974
Date	Dec 22, 2020
Book Page	M2476/974
Instrument	612118

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OLDHAM KY
Recording Date	Mar 18, 2019
Property Address	3909 SUMERLIN DR, BUCKNER, KY 40010-8828
Document Number	D1213/0252
Book / Page	D1213 / 0252
Map Reference	DD 1095 PG 310
Instrument Date	Mar 12, 2019
Instrument	549706
Transaction Type	Transfer
Record Updated	Nov 16, 2021

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	3909 SUMERLIN DR, 3909, BUCKNER, KY 40010-8828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3909 SUMERLIN DR, BUCKNER, KY 40010-8828

Mortgage

Document Number	549707
Date	Mar 18, 2019
Instrument	549707

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

Source: Oldham County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Oldham County
Unified School District	Oldham County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,356.00 (+6.74%)	$350,000 (+7.69%) Land $50,000 Building $300,000	$350,000 (+7.69%) Land $50,000 Building $300,000
2023	$4,081.00	$325,000 Land $40,000 Building $285,000	$325,000 Land $40,000 Building $285,000

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 October 15, 2025 · 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	2 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2022 · rainfall accumulation

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	Direct burnable vegetation

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	OLDHAM COUNTY WATER DISTRICT serves 38,409 people · EPA ID KY0930333
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	1 ppb (2023–2025) 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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