Kenton County property record for 3080 Summitrun Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,702 sqft · built 2005 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $305,000 (Sep 2023) |
| Tax Bill | $3,547 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Sep 2026 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-20-01-270.00 |
| Primary APN | 059-20-01-270.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,702 sqft Finished Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 6,970 sqft (0.16 acres) |
| Lot Dimensions | 125 ft deep x 45 ft wide |
| 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 | 3080 SUMMITRUN DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-6725 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVER RIDGE SEC 19 LOT 270 |
| Legal Subdivision | CLOVER RIDGE |
| Legal Phase | 19 |
| Legal Lot Number | 270 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 66802 |
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 | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Sep 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Sep 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Mar 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Oct 18, 2017 | Grant Deed, Transfer · Conventional with PMI THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2023 · Amount on Record |
| Deed Sale | Sep 5, 2023 · Amount on Record |
| Prior Sale | Oct 18, 2017 · Amount on Record |
| Deed Document Number | 20231 |
| Deed Book / Page | 244 / 449 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 16, 2026 |
| Property Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Document Number | 0000010248 |
| Book / Page | 432 / 863 |
| Instrument Date | May 8, 2026 |
| Instrument | 202610248 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PROMINENCE TITLE, PROMINENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Document Number | 0000010248, |
|---|---|
| Date | May 16, 2026 |
| Book Page | 432/863 |
| Instrument | 202610248 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 30, 2026 |
| Property Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Document Number | 0000022198 |
| Book / Page | 504 / 874 |
| Instrument Date | May 8, 2026 |
| Instrument | 202693022198 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2026 |
| Title Company | PROMINENT TITLE LLC, PROMINENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Document Number | 0000022198, |
|---|---|
| Date | Sep 30, 2026 |
| Book Page | 504/874 |
| Instrument | 202693022198 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2023 |
| Property Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Document Number | 0005900001 |
| Book / Page | KC 244 / 449 |
| Map Reference | SL A-635 |
| Instrument Date | Aug 25, 2023 |
| Instrument | 23090505900001 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2023 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3080 SENTRY DR, EDGEWOOD, KY 41017-8140 |
| Document Number | 0005900002 |
|---|---|
| Date | Sep 5, 2023 |
| Book Page | KCM 488/868 |
| Instrument | 23090505900002 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0005900347 |
|---|---|
| Date | Mar 23, 2021 |
| Book Page | 188/605 |
| Instrument | 21032305900347 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 18, 2017 |
| Property Address | 3080 SUMMITRUN DR, INDEPENDENCE, KY 41051-6725 |
| Document Number | 0000000143 |
| Book / Page | 0I4016 / 000030 |
| Instrument Date | Oct 13, 2017 |
| Instrument | 143 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3080 SUMM8ITRUN DR INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 144 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 0I4016/000033 |
| Instrument | 144 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2047 |
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 | $305,000 (-) Land $35,000 Building $270,000 | $305,000 (-) Land $35,000 Building $270,000 | |
| 2025 | $3,547.00 (+35.28%) | $305,000 (+46.78%) Land $35,000 Building $270,000 | $305,000 (+46.78%) Land $35,000 Building $270,000 |
| 2023 | $2,622.00 (-1.39%) | $207,800 (-) Land $30,000 Building $177,800 | $207,800 (-) Land $30,000 Building $177,800 |
| 2022 | $2,659.00 | $207,800 Land $30,000 Building $177,800 | $207,800 Land $30,000 Building $177,800 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 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 250 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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