Boone County property record for 5076 Loch Dr, Union, KY 41091
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,098 sqft · built 2016 |
| Lot Size | 0.264 acres (11,500 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $387,210 (Jan 2017) |
| Tax Bill | $4,159 (2025) |
| Deeds & Mortgages | Jan 2017 Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 051.00-15-020.00 |
| Primary APN | 051.00-15-020.00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,098 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Lot Area | 11,500 sqft (0.264 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 5076 LOCH DR |
|---|---|
| City | UNION |
| State | KY |
| Zip | 41091-1485 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 20 SEC 1 PH 2B BALLYSHANNON |
| Legal Subdivision | BALLYSHANNON SUB SEC 1 PH 2B |
| Legal Phase | 2B |
| Legal Lot Number | 20 |
| Jurisdiction | BOONE KY |
| Township / Civil Division | FLORENCE |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 70318 |
5076 Loch Dr is owned and occupied by two individuals who bought it in January 2017.
Source: Boone County records, as of November 21, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5076 LOCH DR, UNION, KY 41091-1485 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VICTORY COMMUNITY BANK |
| Sep 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BAYSHORE MORTGAGE FUNDING LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 3, 2017 · Amount on File |
| Deed Sale | Jan 3, 2017 · Amount on File |
| Prior Sale | Sep 2, 2016 · Amount on File |
| Deed Document Number | 0001083211 |
| Deed Book / Page | D1078 / 120 |
| Prior Transfer Date | Sep 26, 2016 |
| Prior Transfer Doc | 710845 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 5076 LOCH DR, UNION, KY 41091-1485 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0M3997/017 |
|---|---|
| Date | Jan 5, 2017 |
| Book Page | M3997/017 |
| Instrument | 718103 |
| Name | VICTORY COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BOONE KY |
| Property Address | 5076 LOCH DR, UNION, KY 41091-1485 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0M4346/525 |
|---|---|
| Date | Sep 15, 2020 |
| Book Page | M4346/525 |
| Instrument | 812481 |
| Name | BAYSHORE MORTGAGE FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LUTHERVILLE TIMONIUM, MD 21093 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Oct 1, 2040 |
The 2025 property tax bill for 5076 Loch Dr was $4,159.
Source: Boone County assessment roll, as of April 1, 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 | $4,159.00 | $414,600 Land $65,000 Building $349,600 | |
| 2024 | $414,600 (+5.77%) Land $65,000 Building $349,600 | ||
| 2023 | $4,008.00 (-8.91%) | $392,000 (-) Land $67,700 Building $324,300 | $392,000 (-) Land $67,700 Building $324,300 |
| 2022 | $4,400.00 | $392,000 Land $67,700 Building $324,300 | $392,000 Land $67,700 Building $324,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5076 Loch Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
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 risk around 5076 Loch Dr 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 | 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 | FLORENCE WATER & SEWER serves 29,351 people · EPA ID KY0080135 |
|---|---|
| Water Source | Purchased surface water from BOONE-FLORENCE WATER COMMISSION |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2021–2023) 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 187 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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