Kenton County property record for 3876 Richardson Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,091 sqft · built 1987 |
| Lot Size | 2.4 acres (104,544 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $274,000 (Jan 2018) |
| Tax Bill | $3,172 (2025) |
| Deeds & Mortgages | Apr 2020 Line of Credit Oct 2019 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 017-40-00-076.00 |
| Primary APN | 017-40-00-076.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,091 sqft Finished Area |
| Gross Area | 3,258 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 104,544 sqft (2.4 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3876 RICHARDSON RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-7441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.49 A 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 records · APN 017-40-00-076.00
Assessment roll updated December 2, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3876 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 23, 2020 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Oct 16, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Aug 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Jan 04, 2018 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 04, 2018 · Amount on Record |
| Deed Sale | Jan 04, 2018 · Amount on Record |
| Deed Document Number | 201801 04 059 00152 |
| Deed Book / Page | 4050 / 284 |
| Last Transfer Date | Oct 09, 2019 |
| Transfer Doc | 0000000291 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3876 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000046 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3876 RICHARDSON RD INDEPENDENCE KY 410517441, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000046 |
|---|---|
| Date | May 06, 2020 |
| Book Page | 000M41/000179 |
| Instrument | 46 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 05, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 16, 2019 |
| Property Address | 3876 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000291 |
| Book / Page | 004346 / 000134 |
| Instrument Date | Oct 09, 2019 |
| Instrument | 291 |
| Transaction Type | Transfer |
| Record Updated | Nov 04, 2019 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3876 RICHARDSON RD INDEPENDENCE KY 410517441, INDEPENDENCE, KY 41051-7441 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3876 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000198 |
| Instrument Date | Aug 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3876 RICHARDSON RD INDEPENDENCE KY 410517441, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000198 |
|---|---|
| Date | Aug 27, 2018 |
| Book Page | 0I4154/000304 |
| Instrument | 198 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 26, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 04, 2018 |
| Property Address | 3876 RICHARDSON RD, INDEPENDENCE, KY 41051-7441 |
| Document Number | 0000000152 |
| Book / Page | 004052 / 000284 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 152 |
| Transaction Type | Transfer |
| Record Updated | Feb 09, 2018 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $274.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3876 RICHARDSON RD INDEPENDENCE KY 410517441, INDEPENDENCE, KY 41051-7441 |
| Document Number | 159 |
|---|---|
| Date | Jan 04, 2018 |
| Book Page | 004050/000287 |
| Instrument | 159 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 03, 2048 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,172.00 (-8.75%) Homeowner's exemption | $321,900 (-) Land $45,000 Building $276,900 | $321,900 (-) Land $45,000 Building $276,900 |
| 2023 | $3,476.00 Homeowner's exemption | $321,900 Land $40,000 Building $281,900 | $321,900 Land $40,000 Building $281,900 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 172 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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