Kenton County property record for 3189 Mills Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,536 sqft · built 1956 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Company Name on Record |
| Last Sale | $78,000 (Dec 1995) |
| Tax Bill | $1,507 (2025) |
| Deeds & Mortgages | Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-20-00-099.00 |
| Primary APN | 060-20-00-099.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,536 sqft Finished Area |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Stone |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 26,136 sqft (0.6 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3189 MILLS RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLANTATION HGTS LOT 41 & E 1/2 LOT 40 0.60 ACS SS MILLS RD |
| Legal Subdivision | PLANTATION HGTS |
| Legal Lot Number | 41,40 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 3189 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 1995 · Amount on Record |
| Deed Sale | Dec 22, 1995 · Amount on Record |
| Last Transfer Date | Mar 26, 2011 |
| Transfer Doc | 0005900080 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3189 MILLS RD, INDEPENDENCE, KY 41051-9323 |
| Document Number | 0000000089 |
| Instrument Date | Nov 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3189 MILLS RD INDEPENDENCE KY 410519323, INDEPENDENCE, KY 41051-9323 |
| Document Number | 0000000089 |
|---|---|
| Date | Nov 14, 2018 |
| Book Page | 0I4192/000241 |
| Instrument | 89 |
| Name | CINFED FCU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 13, 2038 |
| Rate Type | Adjustable Rate |
|---|
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 | $178,700 (-) Land $30,000 Building $148,700 | $178,700 (-) Land $30,000 Building $148,700 | |
| 2025 | $1,507.00 (-4.98%) Homeowner's exemption | $178,700 (+42.16%) Land $30,000 Building $148,700 | $178,700 (+42.16%) Land $30,000 Building $148,700 |
| 2023 | $1,586.00 | $125,700 Land $25,000 Building $100,700 | $125,700 Land $25,000 Building $100,700 |
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 |
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