Kenton County property record for 109 Roman Way, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,160 sqft · built 1997 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $146,300 (Dec 2009) |
| Tax Bill | $2,660 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage May 2018 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-40-01-015.58 |
| Primary APN | 032-40-01-015.58 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,160 sqft Finished Area |
| Gross Area | 1,680 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 109 ROMAN WAY |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9244 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDEPENDENCE RIDGE SEC 2 LOT 58 |
| Legal Subdivision | INDEPENDENCE RIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 58 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 63610 |
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 Record |
|---|---|
| Mailing Address | 109 ROMAN WAY, INDEPENDENCE, KY 41051-9244 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 25, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| May 14, 2018 | Loan Modification, Mortgage · FHA Mortgage CARRINGTON MTG SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 15, 2009 · Amount on Record |
| Deed Sale | Dec 15, 2009 · Amount on Record |
| Prior Sale | Aug 16, 2004 · Amount on Record |
| Deed Document Number | 200912 15 059 00143 |
| Deed Book / Page | 2613 / 122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 25, 2026 |
| Property Address | 109 ROMAN WAY, INDEPENDENCE, KY 41051-9244 |
| Document Number | 0000021908 |
| Book / Page | 503 / 82 |
| Instrument Date | Sep 16, 2026 |
| Instrument | 202692521908 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 109 ROMAN WAY, INDEPENDENCE, KY 41051-9244 |
| Document Number | 0000021908, |
|---|---|
| Date | Sep 25, 2026 |
| Book Page | 503/82 |
| Instrument | 202692521908 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Sep 1, 2054 |
| Max Rate | -1% |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 109 ROMAN WAY, INDEPENDENCE, KY 41051-9244 |
| Document Number | 0000000123 |
| Instrument Date | May 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2018 |
| Title Company | CARRINGTON TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 109 ROMAN WAY INDEPENDENCE KY 410519244, INDEPENDENCE, KY 41051-9244 |
| Document Number | 0000000123 |
|---|---|
| Date | Jul 13, 2018 |
| Book Page | 0I1433/000078 |
| Instrument | 123 |
| Name | CARRINGTON MTG SVCS |
|---|---|
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2048 |
| Rate | 4.25% |
|---|
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $228,800 (-) Land $35,000 Building $193,800 | $228,800 (-) Land $35,000 Building $193,800 | |
| 2025 | $2,660.00 (+22.64%) | $228,800 (+33.1%) Land $35,000 Building $193,800 | $228,800 (+33.1%) Land $35,000 Building $193,800 |
| 2023 | $2,169.00 | $171,900 Land $30,000 Building $141,900 | $171,900 Land $30,000 Building $141,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 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.
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.
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 186 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 |
| AT&T Fixed Wireless | 100 / 20 |
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