Kenton County property record for 3265 Summitrun Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,130 sqft · built 2002 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $281,325 (Aug 2026) |
| Tax Bill | $2,278 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-20-01-142.00 |
| Primary APN | 059-20-01-142.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,130 sqft Finished Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3265 SUMMITRUN DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-6708 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVER RIDGE SEC 8 LOT 142 |
| Legal Subdivision | CLOVER RIDGE |
| Legal Phase | 8 |
| Legal Lot Number | 142 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 66802 |
3265 Summitrun Dr is owned and occupied by two individuals who bought it in August 2026.
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 File |
|---|---|
| Mailing Address | 3265 SUMMITRUN DR, INDEPENDENCE, KY 41051-6708 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 4, 2026 | Deed, Transfer · Conventional Mortgage NFM LENDING |
| Oct 13, 2022 | Warranty Deed, Transfer · Conventional Mortgage GENISYS CU |
| Aug 4, 2022 | Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 4, 2026 · Amount on File |
| Deed Sale | Aug 4, 2026 · Amount on File |
| Prior Sale | Oct 13, 2022 · Amount on File |
| Deed Document Number | 2026080417183 |
| Deed Book / Page | 473 / 40 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 4, 2026 |
| Property Address | 3265 SUMMITRUN DR, INDEPENDENCE, KY 41051-6708 |
| Document Number | 0000017183 |
| Book / Page | 473 / 40 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202617183 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2026 |
| Title Company | BLUEGRASS LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $28,414.33 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 3265 SUMMITRUN DR, INDEPENDENCE, KY 41051-6708 |
| Document Number | 0000017184, |
|---|---|
| Date | Aug 4, 2026 |
| Instrument | 2026080417184 |
| Name | NFM LENDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 13, 2022 |
| Property Address | 3265 SUMMITRUN DR, INDEPENDENCE, KY 41051-6708 |
| Document Number | 0005900066 |
| Book / Page | 194 / 607 |
| Map Reference | SL A-442 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 22101305900066 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 335 GLEN OAKS DR, 335, CINCINNATI, OH 45238-5767 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3265 SUMMITRUN DR, INDEPENDENCE, KY 41051-6708 |
| Document Number | 0005900067 |
|---|---|
| Date | Oct 13, 2022 |
| Instrument | 22101305900067 |
| Name | GENISYS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 6.87% |
| Index | Other |
| Margin | 3 |
| Max Rate | 9.87% |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 4, 2022 |
| Property Address | 3265 SUMMITRUN DR, INDEPENDENCE, KY 41051-6708 |
| Document Number | 0005900031 |
| Book / Page | 180 / 985 |
| Map Reference | SL A-442 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 22080405900031 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $218.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1116 WHEATMORE LN, 1116, FLORENCE, KY 41042-7762 |
| Name | Verified Name |
|---|---|
| Address | 3265 SUMMITRUN DR, INDEPENDENCE, KY 41051-6708 |
| Document Number | 0005900032 |
|---|---|
| Date | Aug 4, 2022 |
| Book Page | 394/443 |
| Instrument | 22080405900032 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2052 |
The 2025 property tax bill for 3265 Summitrun Dr was $2,278 with a homeowner's exemption.
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 | $245,000 (-) Land $35,000 Building $210,000 | $245,000 (-) Land $35,000 Building $210,000 | |
| 2025 | $2,278.00 Homeowner's exemption | $245,000 Land $35,000 Building $210,000 | $245,000 Land $35,000 Building $210,000 |
| 2023 | $2,506.00 Homeowner's exemption | $245,000 Land $30,000 Building $215,000 | $245,000 Land $30,000 Building $215,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3265 Summitrun Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3265 Summitrun Dr is low, with a 0.01% annual chance of wildfire.
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 | Direct burnable vegetation |
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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