Kenton County property record for 112 Roman Way, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,789 sqft · built 1997 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,994 (2025) |
| Deeds & Mortgages | May 2025 Mortgage Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-40-01-015.56 |
| Primary APN | 032-40-01-015.56 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,789 sqft Finished Area |
| Gross Area | 2,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 112 ROMAN WAY |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDEPENDENCE RIDGE SEC 2 LOT 56 |
| Legal Subdivision | INDEPENDENCE RIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 56 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 112 ROMAN WAY, INDEPENDENCE, KY 41051-9240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2025 | Deed of Trust, Mortgage · FHA Mortgage THE FEDERAL SAVINGS BANK |
| Jul 3, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 3, 2023 |
| Deed Sale | Jul 3, 2023 |
| Prior Sale | Jul 11, 2008 · Amount on Record |
| Deed Document Number | 2023192 |
| Deed Book / Page | 234 / 30 |
| Prior Transfer Date | Jun 26, 2023 |
| Prior Transfer Doc | 0005900192 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 112 ROMAN WAY, INDEPENDENCE, KY 41051-9240 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0005900112 |
|---|---|
| Date | May 23, 2025 |
| Book Page | KCM 653/406 |
| Instrument | 25052305900112 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 3, 2023 |
| Property Address | 112 ROMAN WAY, INDEPENDENCE, KY 41051-9240 |
| Document Number | 0005900192 |
| Book / Page | KC 234 / 30 |
| Map Reference | SL A-175 |
| Instrument Date | Jun 26, 2023 |
| Instrument | 23070305900192 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | BCHH INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 112 ROMAN WAY, INDEPENDENCE, KY 41051-9240 |
| Name | Verified Name |
|---|---|
| Address | 112 ROMAN WAY, INDEPENDENCE, KY 41051-9240 |
| Document Number | 0005900193 |
|---|---|
| Date | Jul 3, 2023 |
| Book Page | KCM 473/513 |
| Instrument | 23070305900193 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60639 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2053 |
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 | $257,500 (-) Land $35,000 Building $222,500 | $257,500 (-) Land $35,000 Building $222,500 | |
| 2025 | $2,994.00 (+30.29%) | $257,500 (+41.41%) Land $35,000 Building $222,500 | $257,500 (+41.41%) Land $35,000 Building $222,500 |
| 2023 | $2,298.00 (-1.37%) | $182,100 (-) Land $30,000 Building $152,100 | $182,100 (-) Land $30,000 Building $152,100 |
| 2022 | $2,330.00 | $182,100 Land $30,000 Building $152,100 | $182,100 Land $30,000 Building $152,100 |
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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