Boone County property record for 4186 River Rd, Hebron, KY 41048
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,156 sqft · built 2018 |
| Lot Size | 3.91 acres (170,733 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $630,000 (Jun 2026) |
| Tax Bill | $3,986 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2025 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 070.05-00-007.00 |
| Primary APN | 070.05-00-007.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 2,156 sqft Finished Area |
| Basement Area | 552 sqft |
| Unfinished Basement | 552 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Lot Area | 170,733 sqft (3.91 acres) |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4186 RIVER RD |
|---|---|
| City | HEBRON |
| State | KY |
| Zip | 41048-8732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 LOT CONSTANCE (C5-7) |
| Legal Subdivision | VILLAGE/CONSTANCE |
| Jurisdiction | BOONE KY |
| Township / Civil Division | FLORENCE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 70311 |
Source: Boone County records, as of July 7, 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 | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jun 25, 2026 | Deed, Transfer · Conventional Mortgage NFM LENDING |
| Sep 5, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Mar 29, 2017 | Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB |
| Feb 9, 2023 | Intrafamily Transfer, Transfer |
| Dec 14, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on Record |
| Deed Sale | Jun 25, 2026 · Amount on Record |
| Prior Sale | Dec 14, 2017 · Amount on Record |
| Deed Document Number | 20261268224 |
| Deed Book / Page | 1259 / 280 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Jun 25, 2026 |
| Property Address | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Document Number | 0001268224 |
| Book / Page | 1259 / 280 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 20261268224 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $63,630.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Document Number | 0001268229, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 20261268229 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Document Number | 0M4852/533 |
|---|---|
| Date | Sep 5, 2025 |
| Book Page | M4852/533 |
| Instrument | 1166539 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Title Company | STERLING LAND TITLE AGENCY INC, STERLING LAND TITLE AGENCY I |
| Name | Verified Name |
|---|
| Document Number | 0M4014/450 |
|---|---|
| Date | Mar 29, 2017 |
| Book Page | M4014/450 |
| Instrument | 723486 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Type Change Date | May 1, 2018 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 4.99% |
| Index | 1-Year CMT |
| Max Rate | 8.99% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Feb 9, 2023 |
| Property Address | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Document Number | 0D1201/189 |
| Book / Page | D1201 / 189 |
| Instrument Date | Feb 3, 2023 |
| Instrument | 922490 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4174 RIVER RD, HEBRON, KY 41048-8732 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BOONE KY |
| Recording Date | Dec 14, 2017 |
| Property Address | 4186 RIVER RD, HEBRON, KY 41048-8732 |
| Document Number | 0D1100/992 |
| Book / Page | D1100 / 992 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 741586 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4156 RIVER RD, HEBRON, KY 41048-2000 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 11157 CHATSWORTH CT, WALTON, KY 41094-7471 |
Source: Boone County assessment roll, as of November 24, 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 | $3,986.00 (-2.78%) | $369,900 (-) Land $132,500 Building $237,400 | |
| 2024 | $369,900 (-) Land $132,500 Building $237,400 | ||
| 2023 | $4,100.00 (+6.94%) | $369,900 (+3.47%) Land $132,500 Building $237,400 | $369,900 (+3.47%) Land $132,500 Building $237,400 |
| 2022 | $3,834.00 | $357,500 Land $132,500 Building $225,000 | $357,500 Land $132,500 Building $225,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 21, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 5 (1997–2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
| Claims by Event |
|
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: 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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