Kenton County property record for 3841 Richardson Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,519 sqft · built 1991 |
| Lot Size | 0.94 acres (40,946 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $199,000 (Sep 2019) |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Sep 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-40-00-088.01 |
| Primary APN | 017-40-00-088.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,519 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 40,946 sqft (0.94 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3841 RICHARDSON RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8716 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRING VALLEY II SEC 12 LOT 281 0.94 ACS NWS RICHARDSON RD |
| Legal Subdivision | SPRING VALLEY II |
| Legal Phase | 12 |
| Legal Lot Number | 281 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 63608 |
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 | 3841 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 8, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Sep 3, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Sep 11, 2019 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 11, 2019 · Amount on Record |
| Deed Sale | Sep 11, 2019 · Amount on Record |
| Prior Sale | Oct 7, 2013 · Amount on Record |
| Deed Document Number | 201909 11 059 00088 |
| Deed Book / Page | 4326 / 17 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3841 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Transaction Type | Mortgage |
| Record Updated | Apr 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3841 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0005900080 |
|---|---|
| Date | Apr 8, 2022 |
| Book Page | 358/823 |
| Instrument | 22040805900080 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | DAYTON, OH 45401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 1, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3841 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000099 |
| Instrument Date | Sep 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3841 RICHARDSON RD INDEPENDENCE KY 410518716, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000099 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 00M125/000945 |
| Instrument | 99 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 12, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 11, 2019 |
| Property Address | 3841 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000088 |
| Book / Page | 0I4326 / 000017 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 88 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2019 |
| 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 | $199.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3841 RICHARDSON RD INDEPENDENCE KY 410518716, INDEPENDENCE, KY 41051-8716 |
| Document Number | 92 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 0I4326/000020 |
| Instrument | 92 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2049 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Erlanger City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $235,000 (-) Land $25,000 Building $210,000 | $235,000 (-) Land $25,000 Building $210,000 | |
| 2025 | $2,328.00 (-7.07%) | $235,000 (-) Land $25,000 Building $210,000 | $235,000 (-) Land $25,000 Building $210,000 |
| 2023 | $2,505.00 | $235,000 Land $25,000 Building $210,000 | $235,000 Land $25,000 Building $210,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 | 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 172 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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