10697 Windbrook Ct, Independence, KY 41051 Property Records

Kenton County property record for 10697 Windbrook Ct, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2019
Lot Size	0.655 acres (28,534 sqft)
Owner	Individual Name on File
Last Sale	$310,993 (Dec 2019)
Tax Bill	$3,857 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`019-00-02-198.00`

Property Details

APN / Parcel Number

Primary APN	`019-00-02-198.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	28,534 sqft (0.655 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10697 WINDBROOK CT
City	INDEPENDENCE
State	KY
Zip	41051-7564
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAMS WOODS SEC 16 LOT 198
Legal Subdivision	WILLIAMS WOODS
Legal Phase	16
Legal Lot Number	198
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2005
Census Tract	63609

Owner

10697 Windbrook Ct is owned and occupied by an individual who bought it in December 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10697 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2019 · Amount on File
Deed Sale	Dec 19, 2019 · Amount on File
Deed Document Number	201912 19 059 00026
Deed Book / Page	4381 / 281
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 19, 2019
Property Address	10697 WINDBROOK CT, INDEPENDENCE, KY 41051-7564
Document Number	0000000026
Book / Page	0I4381 / 000281
Instrument Date	Oct 14, 2019
Instrument	26
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 13, 2020
Title Company	WOODLANDS TITLE COMPANY, WOODLANDS TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.99
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10697 WINDBROOK CT INDEPENDENCE KY 410517564, INDEPENDENCE, KY 41051-7564

Mortgage

Document Number	27
Date	Dec 19, 2019
Book Page	0I4381/000283
Instrument	27

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10697 Windbrook Ct was $3,857.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$331,700 (-) Land $55,000 Building $276,700	$331,700 (-) Land $55,000 Building $276,700
2025	$3,857.00	$331,700 Land $55,000 Building $276,700	$331,700 Land $55,000 Building $276,700
2023	$3,923.00	$310,900 Land $40,000 Building $270,900	$310,900 Land $40,000 Building $270,900

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

Flood

FEMA maps place 10697 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 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

Wildfire risk around 10697 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 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.

Drinking Water

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

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 192 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20