Kenton County property record for 20 Oby Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,386 sqft · built 1994 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $198,000 (May 2015) |
| Tax Bill | $3,172 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 048-10-00-016.01 |
| Primary APN | 048-10-00-016.01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,386 sqft Finished Area |
| Gross Area | 3,100 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 20 OBY DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9277 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OBERMEIER LOT 33 0.46 ACS NS OBY DR LESS PARCEL SOLD TO COMMONWEALTH |
| Legal Subdivision | OBERMEIER |
| Legal Lot Number | 33 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 63609 |
20 Oby Dr is owned and occupied by two individuals who bought it in May 2015.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 20 OBY DR, INDEPENDENCE, KY 41051-9277 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Jan 12, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 21, 2021 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Dec 27, 2016 | Deed of Trust, Mortgage · Conventional with PMI LIBERTY SVGS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 27, 2015 · Amount on File |
| Deed Sale | May 27, 2015 · Amount on File |
| Deed Document Number | 201505 27 059 00271 |
| Deed Book / Page | 3598 / 59 |
| Prior Transfer Date | Jun 18, 2007 |
| Prior Transfer Doc | 0005900203 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 20 OBY DR, INDEPENDENCE, KY 41051-9277 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900136 |
|---|---|
| Date | Jan 12, 2022 |
| Book Page | 325/691 |
| Instrument | 22011205900136 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 20 OBY DR, INDEPENDENCE, KY 41051-9277 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900232 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 316/267 |
| Instrument | 21122105900232 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WINSTON SALEM, NC 27101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 278 Months |
| Due | Feb 10, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 20 OBY DR, INDEPENDENCE, KY 41051-9277 |
| Document Number | 0000000107 |
| Book / Page | 0I3879 / 000049 |
| Instrument Date | Dec 27, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2017 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 OBY DR INDEPENDENCE KY 410519277, INDEPENDENCE, KY 41051-9277 |
| Document Number | 0000000107 |
|---|---|
| Date | Jan 3, 2017 |
| Book Page | 0I3879/000049 |
| Instrument | 107 |
| Name | LIBERTY SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | WILMINGTON, OH 45177 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 2, 2047 |
The 2025 property tax bill for 20 Oby Dr was $3,172.
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 | $272,800 (-) Land $50,000 Building $222,800 | $272,800 (-) Land $50,000 Building $222,800 | |
| 2025 | $3,172.00 | $272,800 Land $50,000 Building $222,800 | $272,800 Land $50,000 Building $222,800 |
| 2023 | $2,935.00 | $232,600 Land $35,000 Building $197,600 | $232,600 Land $35,000 Building $197,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20 Oby Dr 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 | 1 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 20 Oby Dr 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 | None beyond ember reach |
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 72 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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