Kenton County property record for 3192 Summitrun Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,603 sqft · built 2004 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $178,000 (Apr 2020) |
| Tax Bill | $2,834 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-20-01-215.00 |
| Primary APN | 059-20-01-215.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,603 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | 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 |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 3192 SUMMITRUN DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-6720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVER RIDGE SEC 14 LOT 215 |
| Legal Subdivision | CLOVER RIDGE |
| Legal Phase | 14 |
| Legal Lot Number | 215 |
| 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 | 3192 SUMMITRUN DR, INDEPENDENCE, KY 41051-6720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 31, 2026 | Deed of Trust, Mortgage · Line of Credit HERITAGE BANK INC |
| Apr 29, 2020 | Warranty Deed, Transfer · Conventional Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2020 · Amount on Record |
| Deed Sale | Apr 29, 2020 · Amount on Record |
| Prior Sale | Apr 27, 2010 · Amount on Record |
| Deed Document Number | 20205900035 |
| Deed Book / Page | 18 / 776 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3192 SUMMITRUN DR, INDEPENDENCE, KY 41051-6720 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3192 SUMMITRUN DR, INDEPENDENCE, KY 41051-6720 |
| Document Number | 0000006506 |
|---|---|
| Date | Mar 31, 2026 |
| Book Page | 408/888 |
| Instrument | 26059000006506 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45242 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 25, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 29, 2020 |
| Property Address | 3192 SUMMITRUN DR, INDEPENDENCE, KY 41051-6720 |
| Document Number | 0000000035 |
| Book / Page | 000018 / 000776 |
| Instrument Date | Apr 23, 2020 |
| Instrument | 35 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $178.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3192 SUMMITRUN DR INDEPENDENCE KY 410516720, INDEPENDENCE, KY 41051-6720 |
| Document Number | 36 |
|---|---|
| Date | Apr 29, 2020 |
| Book Page | 000M37/000739 |
| Instrument | 36 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 28, 2050 |
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 | $243,700 (-) Land $35,000 Building $208,700 | $243,700 (-) Land $35,000 Building $208,700 | |
| 2025 | $2,834.00 (+26.18%) | $243,700 (+36.91%) Land $35,000 Building $208,700 | $243,700 (+36.91%) Land $35,000 Building $208,700 |
| 2023 | $2,246.00 | $178,000 Land $30,000 Building $148,000 | $178,000 Land $30,000 Building $148,000 |
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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