Kenton County property record for 3869 Richardson Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,998 sqft · built 1986 |
| Lot Size | 1.49 acres (64,904 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $357,000 (Aug 2021) |
| Tax Bill | $3,537 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Aug 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-40-00-083.00 |
| Primary APN | 017-40-00-083.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,998 sqft Finished Area |
| Gross Area | 3,186 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 64,904 sqft (1.49 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3869 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 274 1.49 ACS NS RICHARDSON RD |
| Legal Subdivision | SPRING VALLEY II |
| Legal Phase | 12 |
| Legal Lot Number | 274 |
| 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 | 3869 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Aug 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC |
| Feb 28, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Deed Document Number | 2021252 |
| Deed Book / Page | 113 / 105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 21, 2026 |
| Property Address | 3869 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000015597 |
| Book / Page | 463 / 242 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202615597 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Relationship | Remainderman, 286 |
| Address | 3869 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000015597, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 463/242 |
| Instrument | 202615597 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 23, 2021 |
| Property Address | 3869 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0005900252 |
| Book / Page | 113 / 105 |
| Map Reference | MB 21 PG 126 |
| Instrument Date | Aug 16, 2021 |
| Instrument | 21082305900252 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Title Company | LAWYERS TITLE OF CINCINNATI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $407.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1510 MARS HILL RD, 1510, SUTERSVILLE, PA 15083-1418 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3869 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0005900253 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 260/959 |
| Instrument | 21082305900253 |
| Name | SIBCY CLINE MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3869 RICHARDSON RD, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000041 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 3869 RICHARDSON RD INDEPENDENCE KY 410518716, INDEPENDENCE, KY 41051-8716 |
| Document Number | 0000000041 |
|---|---|
| Date | Mar 13, 2019 |
| Book Page | 0I4235/000262 |
| Instrument | 41 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WINSTON-SALEM, NC 27101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 12, 2044 |
| Rate Type | Adjustable Rate |
|---|
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 | $357,000 (-) Land $25,000 Building $332,000 | $357,000 (-) Land $25,000 Building $332,000 | |
| 2025 | $3,537.00 (-7.04%) | $357,000 (-) Land $25,000 Building $332,000 | $357,000 (-) Land $25,000 Building $332,000 |
| 2023 | $3,805.00 | $357,000 Land $25,000 Building $332,000 | $357,000 Land $25,000 Building $332,000 |
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 | 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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