8531 Concerto Ct, Union, KY 41091 Property Records

Boone County property record for 8531 Concerto Ct, Union, KY 41091

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,346 sqft · built 2023
Lot Size	0.026 acres (1,173 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Aug 2026)
Tax Bill	$2,727 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2026 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`051.01-11-249.05`

Property Details

APN / Parcel Number

Primary APN	`051.01-11-249.05`
Alternative APN	`56287`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,346 sqft Finished Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Wood
Lot Area	1,173 sqft
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8531 CONCERTO CT
City	UNION
State	KY
Zip	41091-1571
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 249-E PH XXXVI HARMONY CONDOS (BRECK W/2CG)
Legal Subdivision	HARMONY CONDOMINIUMS PHASE XXXVI
Legal Unit	249
Jurisdiction	BOONE KY
Township / Civil Division	FLORENCE
Census Block Group	3
Census Block	3009
Census Tract	70316

Owner

8531 Concerto Ct, a condominium, is owned by two individuals who bought it in August 2026.

Source: Boone County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8531 CONCERTO CT, 249-E, UNION, KY 41091-1571
Owner Type	Individual
Vesting	Remainderman

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
Aug 12, 2026	Warranty Deed, Transfer · Conventional Mortgage US BANK
Jul 9, 2026	Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2026 · Amount on File
Deed Sale	Aug 12, 2026 · Amount on File
Deed Document Number	20261606443
Deed Book / Page	1261 / 937
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Aug 12, 2026
Property Address	8531 CONCERTO CT, UNION, KY 41091-1571
Document Number	0001606443
Book / Page	1261 / 937
Instrument Date	Aug 6, 2026
Instrument	20261606443
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$28,785.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman

Mortgage

Document Number	0001606447,
Date	Aug 12, 2026
Instrument	20261606447

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Recording Date	Jul 9, 2026
Property Address	8531 CONCERTO CT, UNION, KY 41091-1571
Document Number	0001273676
Book / Page	4936 / 62
Instrument Date	Jun 29, 2026
Instrument	20261273676
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8531 CONCERTO CT, UNION, KY 41091-1571

Mortgage

Document Number	0001273676,
Date	Jul 9, 2026
Book Page	4936/62
Instrument	20261273676

Lender

Name	CENTRAL BANK & TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 3, 2027

Interest

Rate	6.53%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 8531 Concerto Ct was $2,727.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,727.00	$286,500 Building $286,500
2024			$286,500 Building $286,500

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

Flood

FEMA maps place 8531 Concerto Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 21, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 8531 Concerto Ct 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.

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 381 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

May also be available: Verizon.

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