3948 Beaver Rd, Union, KY 41091 Property Records

Boone County property record for 3948 Beaver Rd, Union, KY 41091

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,620 sqft · built 2000
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$490,000 (Feb 2026)
Tax Bill	$3,595 (2025)
Deeds & Mortgages	Mar 2011 Mortgage Nov 2010 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`031.00-00-008.07`

Property Details

APN / Parcel Number

Primary APN	`031.00-00-008.07`
Alternative APN	`46056`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,620 sqft Finished Area
Basement Area	1,620 sqft
Unfinished Basement	1,620 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	528 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3948 BEAVER RD
City	UNION
State	KY
Zip	41091-8416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.0172 AC ON KY 338 (31-8,8C)
Jurisdiction	BOONE KY
Township / Civil Division	WALTON
Census Block Group	1
Census Block	1009
Census Tract	70601

Owner

Source: Boone County records, as of March 18, 2026

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
Mailing Address	3948 BEAVER RD, UNION, KY 41091-8416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2011	Deed of Trust, Mortgage HERITAGE BANK
Nov 10, 2010	Deed of Trust, Mortgage · Construction Mortgage HERITAGE BANK
Jul 12, 2010	Deed of Trust, Mortgage · Construction Mortgage HERITAGE BANK
Feb 27, 2026	Deed, Transfer · Conventional Mortgage ARMED FORCES BANK NA
Sep 8, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 27, 2026 · Amount on Record
Deed Sale	Feb 27, 2026 · Amount on Record
Prior Sale	Sep 8, 2017 · Amount on Record
Deed Document Number	20261224507
Deed Book / Page	1253 / 253
Prior Transfer Date	Feb 12, 2013
Prior Transfer Doc	D1023/782
Record Updated	Jun 8, 2026

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	3948 BEAVER RD, UNION, KY 41091-8416
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3480/375
Date	Mar 18, 2011
Book Page	M3480/375
Instrument	562014

Lender

Name	HERITAGE BANK
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2041

Interest

Rate Type	Adjustable Rate

November 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	3948 BEAVER RD, UNION, KY 41091-8416
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3445/883
Date	Nov 10, 2010
Book Page	M3445/883
Instrument	551474

Lender

Name	HERITAGE BANK
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	2 Months
Due	Jan 2, 2011

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	3948 BEAVER RD, UNION, KY 41091-8416
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M3408/263
Date	Jul 12, 2010
Book Page	M3408/263
Instrument	540291

Lender

Name	HERITAGE BANK
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	2 Months
Due	Sep 15, 2010

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	BOONE KY
Recording Date	Feb 27, 2026
Property Address	3948 BEAVER RD, UNION, KY 41091-8416
Document Number	0D1253/253
Book / Page	D1253 / 253
Instrument Date	Feb 26, 2026
Instrument	1224507
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2964 RABBS PRAIRIE RD, LA GRANGE, TX 78945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3948 BEAVER RD, UNION, KY 41091-8416

Mortgage

Document Number	0001224512
Date	Feb 27, 2026
Instrument	1224512

Lender

Name	ARMED FORCES BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Sep 8, 2017
Property Address	3948 BEAVER RD, UNION, KY 41091-8416
Document Number	D1095/930
Book / Page	D1095 / 930
Instrument Date	Aug 31, 2017
Instrument	734846
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	360 AMERICAN TITLE SERVICES

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	102 STIRRUP CIR, 102, NICHOLASVILLE, KY 40356-9464

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3948 BEAVER ROAD, INDEPENDENCE, KY 41051

Mortgage

Document Number	734848
Date	Sep 8, 2017
Instrument	734848

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

Source: Boone County assessment roll, as of November 24, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,595.00 (+6.52%)	$315,000 (+8.62%) Land $75,000 Building $240,000
2024			$315,000 (+8.62%) Land $75,000 Building $240,000
2023	$3,375.00 (+3.69%)	$290,000 (-) Land $70,000 Building $220,000	$290,000 (-) Land $70,000 Building $220,000
2022	$3,255.00	$290,000 Land $70,000 Building $220,000	$290,000 Land $70,000 Building $220,000

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 · 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 Claims	3 (1996–1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 2 claims

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	BOONE CO WATER & SEWER DISTRICT serves 66,300 people · EPA ID KY0080034
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	1 ppb (2024–2026) 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 18 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

Cell Coverage

5G (outdoors only) and 4G LTE

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