Kenton County property record for 10549 Elderberry Ln, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · built 2024 |
| Owner | Individual Name on File |
| Last Sale | $429,472 (Feb 2025) |
| Tax Bill | $4,993 (2025) |
| Deeds & Mortgages | Feb 2025 Sale & Mortgage Jun 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 033-00-05-214.00 |
| Primary APN | 033-00-05-214.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 10549 ELDERBERRY LN |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-2003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREENBROOK SEC 6 LOT 214 |
| Legal Subdivision | GREENBROOK |
| Legal Phase | 6 |
| Legal Lot Number | 214 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 63609 |
10549 Elderberry Ln is owned and occupied by an individual who bought it in February 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10549 ELDERBERRY LN, INDEPENDENCE, KY 41051-2003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 12, 2025 | Deed, Subdivision Related Transfer · FHA Mortgage VICTORY MORTGAGE LLC |
| Jun 17, 2024 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2025 · Amount on File |
| Deed Sale | Feb 12, 2025 · Amount on File |
| Prior Sale | Jun 17, 2024 · Amount on File |
| Deed Document Number | 202599 |
| Deed Book / Page | 328 / 995 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 12, 2025 |
| Property Address | 10549 ELDERBERRY LN, INDEPENDENCE, KY 41051-2003 |
| Document Number | 0005900099 |
| Book / Page | KC 328 / 995 |
| Map Reference | SL 2299-2299A |
| Instrument Date | Feb 4, 2025 |
| Instrument | 25021205900099 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Address | 10549 ELDERBERRY LN, INDEPENDENCE, KY 41051-2003 |
| Document Number | 0005900100 |
|---|---|
| Date | Feb 12, 2025 |
| Instrument | 25021205900100 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 17, 2024 |
| Property Address | 10549 ELDERBERRY LN, INDEPENDENCE, KY 41051-2003 |
| Document Number | 0005900195 |
| Book / Page | KC 289 / 790 |
| Map Reference | SL 2299-2299A |
| Instrument Date | Jun 10, 2024 |
| Instrument | 24061705900195 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, EDGEWOOD, KY 41018-3593 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 10549 Elderberry Ln was $4,993.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $429,400 (-) Land $69,000 Building $360,400 | $429,400 (-) Land $69,000 Building $360,400 | |
| 2025 | $4,993.00 | $429,400 Land $69,000 Building $360,400 | $429,400 Land $69,000 Building $360,400 |
| 2023 | $631.00 | $50,000 Land $50,000 | $50,000 Land $50,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 10549 Elderberry Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · 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 | 2 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 10549 Elderberry Ln 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2022–2024) 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 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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