9778 Soaring Breezes, Union, KY 41091 Property Records

Boone County property record for 9778 Soaring Breezes, Union, KY 41091

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,026 sqft · built 2011
Owner	Individual Name on File
Last Sale	$360,000 (Dec 2022)
Tax Bill	$4,098 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Sep 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`051.00-11-090.00`

Property Details

APN / Parcel Number

Primary APN	`051.00-11-090.00`
Alternative APN	`47508`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,026 sqft Finished Area

Exterior

Year Built	Built 2011
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	9778 SOARING BREEZES
City	UNION
State	KY
Zip	41091-6935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 90 SEC 11 HARMONY
Legal Subdivision	HARMONY
Legal Lot Number	90
Jurisdiction	BOONE KY
Township / Civil Division	FLORENCE
Census Block Group	3
Census Block	3006
Census Tract	70316

Owner

9778 Soaring Breezes is owned and occupied by an individual who bought it in December 2022.

Source: Boone County records, as of November 21, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	9778 SOARING BREEZES, UNION, KY 41091-6935
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
Dec 16, 2022	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Sep 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK INC
May 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage HERITAGE BANK
Sep 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Sep 4, 2018	Warranty Deed, Transfer · Commercial Mortgage HERITAGE BANK
Apr 2, 2018	Commissioner's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2022 · Amount on File
Deed Sale	Dec 16, 2022 · Amount on File
Prior Sale	Sep 4, 2018 · Amount on File
Deed Document Number	912699
Deed Book / Page	D1199 / 192
Record Updated	Jun 8, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Dec 16, 2022
Property Address	9778 SOARING BREEZES, UNION, KY 41091-6935
Document Number	0D1199/192
Book / Page	D1199 / 192
Map Reference	CAB 5 SL 576
Instrument Date	Dec 5, 2022
Instrument	912699
Transaction Type	Transfer
Record Updated	Jan 3, 2023
Title Company	LAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9028 FORT HENRY DR, UNION, KY 41091-6800

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	9778 SOARING BREEZES, UNION, KY 41091-6935

Mortgage

Document Number	0000912700
Date	Dec 16, 2022
Instrument	912700

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2043

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	9778 SOARING BREEZES, UNION, KY 41091-6935
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	KENTUCKY LAND TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9778 SOARING BREEZES, UNION, KY 41091-6935

Mortgage

Document Number	0M4634/452
Date	Sep 27, 2022
Book Page	M4634/452
Instrument	894459

Lender

Name	HERITAGE BANK INC
Type	Bank
Address	BURLINGTON, KY 41005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 23, 2023

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	9778 SOARING BREEZES, UNION, KY 41091-6935
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M4103/612
Date	May 2, 2018
Book Page	M4103/612
Instrument	750264

Lender

Name	HERITAGE BANK
Type	Bank
Address	ERLANGER, KY 41018

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	11 Months
Due	Apr 25, 2019

Interest

Rate Type	Adjustable Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOONE KY
Property Address	9778 SOARING BREEZES, UNION, KY 41091-6935
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M4349/480
Date	Sep 21, 2020
Book Page	M4349/480
Instrument	813000

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOONE KY
Recording Date	Sep 4, 2018
Property Address	9778 SOARING BREEZES, UNION, KY 41091-6935
Document Number	D1114/376
Book / Page	D1114 / 376
Map Reference	CAB 5 SL 576
Instrument Date	Aug 31, 2018
Instrument	758940
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10607 BEURERN CT, 10607, UNION, KY 41091

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9778 SOARING BREEZES, UNION, KY 41091-6935

Mortgage

Document Number	758941
Date	Sep 4, 2018
Instrument	758941

Lender

Name	HERITAGE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate

April 2018: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BOONE KY
Recording Date	Apr 2, 2018
Property Address	9778 SOARING BREEZES, UNION, KY 41091-6935
Document Number	D1105/593
Book / Page	D1105 / 593
Map Reference	CAB 5 SL 578
Instrument Date	Mar 27, 2018
Instrument	748113
Transaction Type	Foreclosure
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10603 LAVRIN CT, UNION, KY 41091-4900

Tax Assessment & Valuation

The 2025 property tax bill for 9778 Soaring Breezes was $4,098.

Source: Boone County assessment roll, as of April 1, 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	$4,098.00	$360,000 Land $45,000 Building $315,000
2024			$360,000 (-) Land $45,000 Building $315,000
2023	$4,171.00 (+51.67%)	$360,000 (+46.94%) Land $45,000 Building $315,000	$360,000 (+46.94%) Land $45,000 Building $315,000
2022	$2,750.00	$245,000 Land $45,000 Building $200,000	$245,000 Land $45,000 Building $200,000

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

Flood

FEMA maps place 9778 Soaring Breezes 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 9778 Soaring Breezes 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	None beyond ember reach

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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