Kenton County property record for 3861 Richardson Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,484 sqft · built 1987 |
| Lot Size | 1.08 acres (47,045 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $258,000 (Apr 2024) |
| Tax Bill | $2,556 (2025) |
| Deeds & Mortgages | Apr 2024 Sale Sep 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-40-00-085.00 |
| Primary APN | 017-40-00-085.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,484 sqft Finished Area |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 47,045 sqft (1.08 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3861 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 276 1.08 ACS NS RICHARDSON RD |
| Legal Subdivision | SPRING VALLEY II |
| Legal Phase | 12 |
| Legal Lot Number | 276 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 63608 |
3861 Richardson Rd is owned and occupied by two individuals who bought it in April 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3861 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 1, 2024 | Warranty Deed, Transfer |
| Sep 1, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Jul 11, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 1, 2024 · Amount on File |
| Deed Sale | Apr 1, 2024 · Amount on File |
| Deed Document Number | 2024155 |
| Deed Book / Page | 277 / 152 |
| Prior Transfer Date | Mar 29, 2024 |
| Prior Transfer Doc | 0005900155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 1, 2024 |
| Property Address | 3861 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0005900155 |
| Book / Page | KC 277 / 152 |
| Map Reference | MB 21 PG 126 |
| Instrument Date | Mar 29, 2024 |
| Instrument | 24040105900155 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 3861 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3861 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3861 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000020 |
| Instrument Date | Sep 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3861 RICHARDSON RD INDEPENDENCE KY 410518716, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000020 |
|---|---|
| Date | Sep 22, 2017 |
| Book Page | 0I4003/000145 |
| Instrument | 20 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 21, 2047 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 11, 2017 |
| Property Address | 3861 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000020 |
| Book / Page | 0I3967 / 000319 |
| Instrument Date | Jul 10, 2017 |
| Instrument | 20 |
| Transaction Type | Transfer |
| Record Updated | Jun 15, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 142 BARNWOOD DR EDGEWOOD KY 410172501, EDGEWOOD, KY 41017-2501 |
The 2025 property tax bill for 3861 Richardson Rd was $2,556.
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 | $258,000 (-) Land $25,000 Building $233,000 | $258,000 (-) Land $25,000 Building $233,000 | |
| 2025 | $2,556.00 | $258,000 Land $25,000 Building $233,000 | $258,000 Land $25,000 Building $233,000 |
| 2023 | $2,132.00 Homeowner's exemption | $246,400 Land $25,000 Building $221,400 | $246,400 Land $25,000 Building $221,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3861 Richardson Rd 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 3861 Richardson Rd 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 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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