4685 Setters Rd, Union, KY 41091 Property Records

Boone County property record for 4685 Setters Rd, Union, KY 41091

Property Summary

Property Type	General Agricultural/Rural
Details	3 bd · 4 ba · 2,072 sqft · built 2017
Lot Size	16.6 acres (725,492 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,625 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030.00-00-029.04`

Property Details

APN / Parcel Number

Primary APN	`030.00-00-029.04`
Alternative APN	`49629`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,072 sqft Finished Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Lot Area	725,492 sqft (16.6 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4685 SETTERS RD
City	UNION
State	KY
Zip	41091-9780
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > General Agricultural/Rural
Legal Description	16.655 AC SETTER RD
Jurisdiction	BOONE KY
Township / Civil Division	WALTON
Census Block Group	1
Census Block	1003
Census Tract	70601

Owner

4685 Setters Rd, an agricultural property, is owned by two individuals who acquired it in February 2021.

Source: Boone County records, as of November 24, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4685 SETTERS RD, UNION, KY 41091-9780
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2017	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK FSB
Feb 8, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 1, 2021
Transfer Doc	D1159/936
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	4685 SETTERS RD, UNION, KY 41091-9780
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M4061/358
Date	Oct 12, 2017
Book Page	M4061/358
Instrument	737296

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Sep 25, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOONE KY
Recording Date	Feb 8, 2021
Property Address	4685 SETTERS RD, UNION, KY 41091-9780
Document Number	D1159/936
Book / Page	D1159 / 936
Instrument Date	Feb 1, 2021
Instrument	825779
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	4685 SETTERS RD, UNION, KY 41091-9780

Mortgage

Document Number	825780
Date	Feb 8, 2021
Instrument	825780

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4685 Setters Rd was $3,625.

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	$3,625.00	$453,400 Land $150,000 Building $303,400
2024			$453,400 (+4.74%) Land $150,000 Building $303,400
2023	$3,457.00 (+3.63%)	$432,900 (-) Land $150,000 Building $282,900	$432,900 (-) Land $150,000 Building $282,900
2022	$3,336.00	$432,900 Land $150,000 Building $282,900	$432,900 Land $150,000 Building $282,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4685 Setters Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1996.

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

Wildfire risk around 4685 Setters 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.

Internet Providers

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Setters Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures