9104 Royal Oak Ln, Union, KY 41091 Property Records

Boone County property record for 9104 Royal Oak Ln, Union, KY 41091

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,700 sqft · built 2013
Lot Size	0.052 acres (2,293 sqft)
Owner	Individual Name on Record
Last Sale	$354,900 (Aug 2026)
Tax Bill	$2,487 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`051.00-12-013.01`

Property Details

APN / Parcel Number

Primary APN	`051.00-12-013.01`
Alternative APN	`48734`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,700 sqft Finished Area

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Condo/Apartment
Exterior Material	Wood Siding
Construction Type	Wood
Roof Type	Gable
Lot Area	2,293 sqft (0.052 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	9104 ROYAL OAK LN
City	UNION
State	KY
Zip	41091-8805
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	UNIT 13-9104 PH 9 VILLAS OF FOWLERS CREEK (CANTERBERRY W/2CG)
Legal Subdivision	VILLAS FOWLERS CRK CONDO PH 8
Legal Phase	9
Legal Unit	13
Jurisdiction	BOONE KY
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1007
Census Tract	70316

Owner

Source: Boone County records, as of September 1, 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	9104 ROYAL OAK LN, UNION, KY 41091-8805
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Special Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Aug 10, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2026 · Amount on Record
Deed Sale	Aug 18, 2026 · Amount on Record
Prior Sale	May 1, 2014 · Amount on Record
Deed Document Number	20261608892
Deed Book / Page	1262 / 276
Prior Transfer Date	Aug 6, 2021
Prior Transfer Doc	0D1171/303
Record Updated	Oct 29, 2026

August 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Aug 18, 2026
Property Address	9104 ROYAL OAK LN, UNION, KY 41091-8805
Document Number	0001608892
Book / Page	1262 / 276
Instrument Date	Aug 10, 2026
Instrument	20261608892
Transaction Type	Transfer
Record Updated	Sep 1, 2026
Title Company	LAWYERS TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$35,844.90
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9104 ROYAL OAK LN, UNION, KY 41091-8805

Mortgage

Document Number	0001608895,
Date	Aug 18, 2026
Instrument	20261608895

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BOONE KY
Recording Date	Aug 10, 2021
Property Address	9104 ROYAL OAK LN, UNION, KY 41091-8805
Document Number	0D1171/303
Book / Page	D1171 / 303
Map Reference	MB 933 PG 471
Instrument Date	Aug 6, 2021
Instrument	844305
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
Address	9104 ROYAL OAK LN, UNION, KY 41091-8805

Tax Assessment & Valuation

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	$2,487.00 (-2.97%)	$265,000 (-) Building $265,000
2024			$265,000 (-) Building $265,000
2023	$2,563.00 (+1.71%)	$265,000 (-) Building $265,000	$265,000 (-) Building $265,000
2022	$2,520.00	$265,000 Building $265,000	$265,000 Building $265,000

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

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

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.

Drinking Water

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
Also Mapped Here	BOONE CO WATER & SEWER DISTRICT
Lead	Under 1 ppb (2021–2023) 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 177 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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