970 Surfridge Dr, Hebron, KY 41048 Property Records

Boone County property record for 970 Surfridge Dr, Hebron, KY 41048

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,660 sqft · built 2003
Lot Size	0.25 acres (10,920 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Jul 2009)
Tax Bill	$2,322 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035.00-09-056.00`

Property Details

APN / Parcel Number

Primary APN	`035.00-09-056.00`
Alternative APN	`43965`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,660 sqft Finished Area
Basement Area	776 sqft
Unfinished Basement	776 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Brick Veneer
Construction Type	Wood
Roof Type	Gable
Lot Area	10,920 sqft (0.25 acres)
Lot Dimensions	140 ft deep x 78 ft wide
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	970 SURFRIDGE DR
City	HEBRON
State	KY
Zip	41048-8753
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 56 SEC 4 WYNDEMERE PLACE
Legal Subdivision	WYNDEMERE PLACE
Legal Lot Number	56
Jurisdiction	BOONE KY
Township / Civil Division	HEBRON
Census Block Group	3
Census Block	3010
Census Tract	70403

Owner

970 Surfridge Dr is owned and occupied by two individuals who bought it in July 2009.

Source: Boone County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	970 SURFRIDGE DR, HEBRON, KY 41048-8753
Occupancy	Owner Occupied
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
Aug 27, 2026	Deed of Trust, Mortgage · Line of Credit CAPITAL LENDING
Mar 8, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2009 · Amount on File
Deed Sale	Jul 6, 2009 · Amount on File
Deed Document Number	2009504179
Deed Book / Page	0967 / 569
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Recording Date	Aug 27, 2026
Property Address	970 SURFRIDGE DR, HEBRON, KY 41048-8753
Document Number	0001614272
Book / Page	4950 / 267
Instrument Date	Jul 10, 2026
Instrument	20261614272
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 SURFRIDGE DR, HEBRON, KY 41048-8753

Mortgage

Document Number	0001614272,
Date	Aug 27, 2026
Book Page	4950/267
Instrument	20261614272

Lender

Name	CAPITAL LENDING

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 6, 2046

Interest

Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	970 SURFRIDGE DR, HEBRON, KY 41048-8753
Transaction Type	Mortgage
Record Updated	Mar 22, 2022
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0M4579/400
Date	Mar 8, 2022
Book Page	M4579/400
Instrument	865701

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 970 Surfridge Dr was $2,322.

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	$2,322.00	$212,500 Land $35,000 Building $177,500
2024			$212,500 (+25%) Land $35,000 Building $177,500
2023	$1,890.00 (+3.68%)	$170,000 (-) Land $25,000 Building $145,000	$170,000 (-) Land $25,000 Building $145,000
2022	$1,823.00	$170,000 Land $25,000 Building $145,000	$170,000 Land $25,000 Building $145,000

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

Flood

FEMA maps place 970 Surfridge Dr in Zone X, an area of minimal flood risk.

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 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

Wildfire risk around 970 Surfridge 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.

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 257 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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