Kenton County property record for 2131 Starlight Ln, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,664 sqft · built 2005 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $321,200 (Aug 2024) |
| Tax Bill | $3,735 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-20-01-187.00 |
| Primary APN | 045-20-01-187.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2131 STARLIGHT LN |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-7417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEST HILLS SEC 12 LOT 187 |
| Legal Subdivision | HARVEST HILLS |
| Legal Phase | 12 |
| Legal Lot Number | 187 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 63606 |
2131 Starlight Ln is owned by an individual who bought it in August 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 894 RIVERWATCH DR, CRESCENT SPRINGS, KY 41017-4476 |
| Owner Type | Individual |
| Vesting | Single Man |
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 |
|---|---|
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| May 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 2024 · Amount on File |
| Deed Sale | Aug 28, 2024 · Amount on File |
| Prior Sale | May 2, 2019 · Amount on File |
| Deed Document Number | 2024201 |
| Deed Book / Page | 302 / 488 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2131 STARLIGHT LN, INDEPENDENCE, KY 41051-7417 |
| Document Number | 0000000125 |
| Instrument Date | Nov 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2131 STARLIGHT LN INDEPENDENCE KY 410517417, INDEPENDENCE, KY 41051-7417 |
| Document Number | 0000000125 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 00M132/000717 |
| Instrument | 125 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 2, 2019 |
| Property Address | 2131 STARLIGHT LN, INDEPENDENCE, KY 41051-7417 |
| Document Number | 0000000169 |
| Book / Page | 0I4257 / 000340 |
| Instrument Date | Apr 30, 2019 |
| Instrument | 169 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2131 STARLIGHT LN INDEPENDENCE KY 410517417, INDEPENDENCE, KY 41051-7417 |
| Document Number | 170 |
|---|---|
| Date | May 2, 2019 |
| Book Page | 0I4257/000343 |
| Instrument | 170 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 2131 Starlight Ln was $3,735.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $321,200 (-) Land $45,000 Building $276,200 | $321,200 (-) Land $45,000 Building $276,200 | |
| 2025 | $3,735.00 | $321,200 Land $45,000 Building $276,200 | $321,200 Land $45,000 Building $276,200 |
| 2023 | $2,650.00 | $210,000 Land $35,000 Building $175,000 | $210,000 Land $35,000 Building $175,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2131 Starlight Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2131 Starlight Ln 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 | 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 275 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 |
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