Kenton County property record for 3181 Mills Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,505 sqft · built 1968 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $281,000 (Sep 2025) |
| Tax Bill | $2,523 (2025) |
| Deeds & Mortgages | Jan 2022 Construction Loan Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-20-00-098.00 |
| Primary APN | 060-20-00-098.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,505 sqft Finished Area |
| Gross Area | 2,141 sqft |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3181 MILLS RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLANTATION HGTS LOT 39 & W 1/2 LOT 40 0.49 ACS SS MILLS RD |
| Legal Subdivision | PLANTATION HGTS |
| Legal Lot Number | 39,40 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 65800 |
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 | 3181 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jan 28, 2022 | Deed of Trust, Mortgage · Construction Mortgage US BANK NA |
| Sep 17, 2025 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Apr 12, 2019 | Grant Deed, Transfer · Conventional with PMI US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2025 · Amount on Record |
| Deed Sale | Sep 17, 2025 · Amount on Record |
| Prior Sale | Apr 12, 2019 · Amount on Record |
| Deed Document Number | 2025156 |
| Deed Book / Page | 363 / 935 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3181 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3181 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Document Number | 0005900078 |
|---|---|
| Date | Jan 28, 2022 |
| Book Page | 331/961 |
| Instrument | 22012805900078 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Dec 28, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 17, 2025 |
| Property Address | 3181 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Document Number | 0005900156 |
| Book / Page | KC 363 / 935 |
| Map Reference | MB 4 PG 19 |
| Instrument Date | Sep 15, 2025 |
| Instrument | 25091705900156 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 FESCUE CT, FLORENCE, KY 41042-8915 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3181 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Document Number | 0005900157 |
|---|---|
| Date | Sep 17, 2025 |
| Instrument | 25091705900157 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 12, 2019 |
| Property Address | 3181 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Document Number | 0000000092 |
| Book / Page | 0I4249 / 000090 |
| Instrument Date | Mar 14, 2019 |
| Instrument | 92 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2019 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147.40 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3181 MILLS RD INDEPENDENCE KY 410519323, INDEPENDENCE, KY 41051-9323 |
| Document Number | 93 |
|---|---|
| Date | Apr 12, 2019 |
| Book Page | 0I4249/000093 |
| Instrument | 93 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 11, 2049 |
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 | $281,000 (+29.49%) Land $30,000 Building $251,000 | $281,000 (+29.49%) Land $30,000 Building $251,000 | |
| 2025 | $2,523.00 (+39.78%) | $217,000 (+47.22%) Land $30,000 Building $187,000 | $217,000 (+47.22%) Land $30,000 Building $187,000 |
| 2024 | $1,805.00 (-2.96%) | $147,400 (-) Land $25,000 Building $122,400 | $147,400 (-) Land $25,000 Building $122,400 |
| 2023 | $1,860.00 | $147,400 Land $25,000 Building $122,400 | $147,400 Land $25,000 Building $122,400 |
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 | 2 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 188 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures