Kenton County property record for 3874 Richardson Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,276 sqft · built 1988 |
| Lot Size | 2.23 acres (97,444 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $462,990 (May 2023) |
| Tax Bill | $5,383 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Oct 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-40-00-077.00 |
| Primary APN | 017-40-00-077.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,276 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 97,444 sqft (2.23 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3874 RICHARDSON RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-7441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.237 ACS SS RICHARDSON RD EAST OF GOLF COURSE ENT |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 63604 |
Source: Kenton County assessment roll, as of December 2, 2025
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 File |
|---|---|
| Mailing Address | 3874 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage ONPOINT HOME LENDING |
| Oct 25, 2021 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Oct 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND |
| Nov 22, 2019 | Deed of Trust, Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 15, 2023 · Amount on Record |
| Deed Sale | May 15, 2023 · Amount on Record |
| Deed Document Number | 2023141 |
| Deed Book / Page | 226 / 616 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 15, 2023 |
| Property Address | 3874 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0005900141 |
| Book / Page | KC 226 / 616 |
| Instrument Date | May 10, 2023 |
| Instrument | 23051505900141 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2088 LAKEVIEW AVE, BURNSIDE, KY 42519-8461 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3874 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0005900142 |
|---|---|
| Date | May 15, 2023 |
| Instrument | 23051505900142 |
| Name | ONPOINT HOME LENDING |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3874 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Title Company | THIRD CAPITAL TITLE NEO |
| Name | Verified Name |
|---|---|
| Address | 3874 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0005900250 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 290/410 |
| Instrument | 21102505900250 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | INDEPENDENCE, KY 41051 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 5, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3874 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Transaction Type | Mortgage |
| Record Updated | Oct 29, 2021 |
| Title Company | THIRD CAPITAL TITLE CINCINNATI, THIRD CAPITAL TTL CINCINNATI |
| Name | Verified Name |
|---|
| Document Number | 0005900208 |
|---|---|
| Date | Oct 18, 2021 |
| Book Page | 286/526 |
| Instrument | 21101805900208 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.59% |
| Type Change Date | Nov 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.59% |
| Index | Prime Rate |
| Max Rate | 8.59% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3874 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000340 |
| Instrument Date | Nov 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3874 RICHARDSON RD INDEPENDENCE KY 410517441, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000340 |
|---|---|
| Date | Dec 4, 2019 |
| Book Page | 0I4372/000030 |
| Instrument | 340 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 3, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.29% |
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 |
|---|---|---|---|
| 2025 | $5,383.00 (+122.44%) | $462,900 (+94.33%) Land $45,000 Building $417,900 | $462,900 (+94.33%) Land $45,000 Building $417,900 |
| 2023 | $2,420.00 Homeowner's exemption | $238,200 Land $40,000 Building $198,200 | $238,200 Land $40,000 Building $198,200 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1996 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 at the parcel |
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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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