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10689 Windbrook Ct, Independence, KY 41051 Property Records

Kenton County property record for 10689 Windbrook Ct, Independence, KY 41051

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · built 2017
Lot Size0.339 acres (14,795 sqft)
Owner2 Individual Names on File
Last Sale$330,900 (Jun 2020)
Tax Bill$4,548 (2025)
Deeds & MortgagesOct 2025 Line of Credit
Jun 2022 Mortgage
+ 4 more
Flood ZoneZone X (minimal risk)
APN019-00-02-196.00

Property Details

APN / Parcel Number

Primary APN019-00-02-196.00

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Exterior MaterialCombination
Foundation TypeConcrete
Lot Area14,795 sqft (0.339 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address10689 WINDBROOK CT
CityINDEPENDENCE
StateKY
Zip41051-7564
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWILLIAMS WOODS SEC 16 LOT 196
Legal SubdivisionWILLIAMS WOODS
Legal Phase16
Legal Lot Number196
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group2
Census Block2005
Census Tract63609

Owner

10689 Windbrook Ct is owned and occupied by two individuals who acquired it in February 2022.

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

Owner of Record2 Individual Names on File
Mailing Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 28, 2025Deed of Trust, Mortgage · Line of Credit
COASTAL COMMUNITY BANK
Jun 20, 2022Intrafamily Transfer, Transfer · FHA Mortgage
PLANET HOME LENDING LLC
Jun 23, 2020Warranty Deed, Transfer · FHA Mortgage
NATIONS RELIABLE LNDG
Jun 16, 2020Deed of Trust, Mortgage · FHA Mortgage
NATIONS RELIABLE LNDG
Jan 24, 2020Deed of Trust, Mortgage · VA Mortgage
USAA
Aug 20, 2018Warranty Deed, Subdivision Related Transfer · VA Mortgage
USAA

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 23, 2020 · Amount on File
Deed SaleJun 23, 2020 · Amount on File
Prior SaleAug 20, 2018 · Amount on File
Deed Document Number20205900004
Deed Book / Page27 / 679
Last Transfer DateFeb 9, 2022
Transfer Doc0005900001
Record UpdatedOct 29, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Transaction TypeMortgage
Record UpdatedNov 14, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564

Mortgage

Document Number0005900005
DateOct 28, 2025
Book PageKCM 700/851
Instrument25102805900005
Lender
NameCOASTAL COMMUNITY BANK
TypeBank
AddressCAMPBELL, CA 95008
Agreement
TypeLine of Credit
AmountAmount on Record
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENTON KY
Recording DateJun 20, 2022
Property Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Document Number0005900001
Book / Page171 / 845
Map ReferenceCAB A SL 1159
Instrument DateFeb 9, 2022
Instrument22062005900001
Transaction TypeTransfer
Record UpdatedJun 30, 2022
Title CompanyTITLE365

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address10689 WINDBROOK CT, 10689, INDEPENDENCE, KY 41051-7564

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564

Mortgage

Document Number0005900002
DateJun 20, 2022
Book Page380/980
Instrument22062005900002
Lender
NamePLANET HOME LENDING LLC
TypeMortgage Company
AddressTAMPA, FL 33607
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term357 Months
DueMar 1, 2052

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 23, 2020
Property Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Document Number0000000004
Book / Page000027 / 000679
Instrument DateJun 16, 2020
Instrument4
Transaction TypeTransfer
Record UpdatedAug 17, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$331.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address10689 WINDBROOK CT INDEPENDENCE KY 410517564, INDEPENDENCE, KY 41051-7564

Mortgage

Document Number5
DateJun 23, 2020
Book Page000M61/000142
Instrument5
Lender
NameNATIONS RELIABLE LNDG
AddressHOUSTON, TX 77027
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 22, 2050

June 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Document Number0000000005
Instrument DateJun 16, 2020
Transaction TypeMortgage
Record UpdatedAug 6, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address10689 WINDBROOK CT INDEPENDENCE KY 410517564, INDEPENDENCE, KY 41051-7564

Mortgage

Document Number0000000005
DateJun 23, 2020
Book Page000M61/000142
Instrument5
Lender
NameNATIONS RELIABLE LNDG
AddressHOUSTON, TX 77027
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 22, 2050

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Document Number0000000042
Instrument DateJan 24, 2020
Transaction TypeMortgage
Record UpdatedMar 19, 2020
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

NameVerified Name
Address10689 WINDBROOK CT INDEPENDENCE KY 410517564, INDEPENDENCE, KY 41051-7564

Mortgage

Document Number0000000042
DateJan 30, 2020
Book Page0000M7/000844
Instrument42
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJan 29, 2050

August 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateAug 20, 2018
Property Address10689 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Document Number0000000192
Book / Page004150 / 000249
Instrument DateAug 3, 2018
Instrument192
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 10, 2019
Title CompanyKENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address10689 WINDBROOK CT INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051

Mortgage

Document Number193
DateAug 20, 2018
Book Page0I4150/000251
Instrument193
Lender
NameUSAA
AddressSAN ANTONIO, TX 78288-0544
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueAug 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 10689 Windbrook Ct was $4,548.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityIndependence City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$391,100 (-) Land $55,000 Building $336,100$391,100 (-) Land $55,000 Building $336,100
2025$4,548.00$391,100 Land $55,000 Building $336,100$391,100 Land $55,000 Building $336,100
2023$4,175.00$330,900 Land $40,000 Building $290,900$330,900 Land $40,000 Building $290,900

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

Flood

FEMA maps place 10689 Windbrook Ct 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 10689 Windbrook 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 192 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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