Kenton County property record for 3128 Summitrun Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,525 sqft · built 2004 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $165,000 (Apr 2018) |
| Tax Bill | $2,329 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-20-01-251.00 |
| Primary APN | 059-20-01-251.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,525 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 120 ft deep x 50 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3128 SUMMITRUN DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-6720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVER RIDGE SEC 18 LOT 251 |
| Legal Subdivision | CLOVER RIDGE |
| Legal Phase | 18 |
| Legal Lot Number | 251 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 66802 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3128 SUMMITRUN DR, INDEPENDENCE, KY 41051-6720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED MORTGAGE CORP |
| Apr 10, 2018 | Grant Deed, Transfer GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2018 · Amount on Record |
| Deed Sale | Apr 10, 2018 · Amount on Record |
| Prior Sale | Feb 22, 2005 · Amount on Record |
| Deed Document Number | 201804 10 059 00254 |
| Deed Book / Page | 4091 / 164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3128 SUMMITRUN DR, INDEPENDENCE, KY 41051-6720 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0005900338 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 307/735 |
| Instrument | 21112905900338 |
| Name | UNITED MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 10, 2018 |
| Property Address | 3128 SUMMITRUN DR, INDEPENDENCE, KY 41051-6720 |
| Document Number | 0000000254 |
| Book / Page | 0I4091 / 000164 |
| Instrument Date | Apr 5, 2018 |
| Instrument | 254 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $165.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3128 SUMMITRUN DR INDEPENDENCE KY 410516720, INDEPENDENCE, KY 41051-6720 |
| Document Number | 255 |
|---|---|
| Date | Apr 10, 2018 |
| Book Page | 0I4091/000167 |
| Instrument | 255 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 9, 2048 |
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 | $200,300 (-) Land $35,000 Building $165,300 | $200,300 (-) Land $35,000 Building $165,300 | |
| 2025 | $2,329.00 (+11.86%) | $200,300 (+21.39%) Land $35,000 Building $165,300 | $200,300 (+21.39%) Land $35,000 Building $165,300 |
| 2023 | $2,082.00 | $165,000 Land $30,000 Building $135,000 | $165,000 Land $30,000 Building $135,000 |
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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