3278 Summitrun Dr, Independence, KY 41051 Property Records

Kenton County property record for 3278 Summitrun Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,833 sqft · built 2002
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2024)
Tax Bill	$3,372 (2025)
Deeds & Mortgages	Feb 2021 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`059-20-01-133.00`

Property Details

APN / Parcel Number

Primary APN	`059-20-01-133.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,833 sqft Finished Area

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	3278 SUMMITRUN DR
City	INDEPENDENCE
State	KY
Zip	41051-6706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLOVER RIDGE SEC 7 LOT 133
Legal Subdivision	CLOVER RIDGE
Legal Phase	7
Legal Lot Number	133
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2001
Census Tract	66802

Owner

3278 Summitrun Dr is owned and occupied by two individuals who bought it in November 2024.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3278 SUMMITRUN DR, INDEPENDENCE, KY 41051-6706
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2024 · Amount on File
Deed Sale	Nov 6, 2024 · Amount on File
Prior Sale	May 17, 2002 · Amount on File
Deed Document Number	2024116
Deed Book / Page	312 / 935
Prior Transfer Date	Jun 30, 2015
Prior Transfer Doc	0005900088
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3278 SUMMITRUN DR, INDEPENDENCE, KY 41051-6706
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3278 SUMMITRUN DR, INDEPENDENCE, KY 41051-6706

Mortgage

Document Number	0005900091
Date	Feb 15, 2021
Book Page	167/575
Instrument	21021505900091

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	ALEXANDRIA, KY 41001

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 6, 2046

Tax Assessment & Valuation

The 2025 property tax bill for 3278 Summitrun Dr was $3,372.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$290,000 (-) Land $35,000 Building $255,000	$290,000 (-) Land $35,000 Building $255,000
2025	$3,372.00	$290,000 Land $35,000 Building $255,000	$290,000 Land $35,000 Building $255,000
2023	$2,141.00	$169,700 Land $30,000 Building $139,700	$169,700 Land $30,000 Building $139,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3278 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

Wildfire risk around 3278 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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