4232 Arbor Ct, Independence, KY 41051 Property Records

Kenton County property record for 4232 Arbor Ct, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,000 sqft · built 1975
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$246,500 (Jun 2025)
Tax Bill	$2,298 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`006-33-01-010.00`

Property Details

APN / Parcel Number

Primary APN	`006-33-01-010.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,000 sqft Finished Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	4232 ARBOR CT
City	INDEPENDENCE
State	KY
Zip	41051-9163
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VILLAGES OF BEECHGROVE BLK A LOT 33 SEC 1
Legal Subdivision	VILLAGES OF BEECHGROVE
Legal Phase	A
Legal Block	A
Legal Lot Number	33
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2001
Census Tract	63604

Owner

4232 Arbor Ct is owned and occupied by two individuals who bought it in June 2025.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4232 ARBOR CT, INDEPENDENCE, KY 41051-9163
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2025 · Amount on File
Deed Sale	Jun 23, 2025 · Amount on File
Prior Sale	Aug 20, 2021
Deed Document Number	20253
Deed Book / Page	348 / 353
Prior Transfer Date	Apr 10, 2021
Prior Transfer Doc	0005900059
Record Updated	Oct 29, 2026

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Aug 20, 2021
Property Address	4232 ARBOR CT, INDEPENDENCE, KY 41051-9163
Document Number	0005900059
Book / Page	112 / 572
Map Reference	MB 14 PG 24
Instrument Date	Apr 10, 2021
Instrument	21082005900059
Transaction Type	Transfer
Record Updated	Sep 6, 2021
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4232 ARBOR CT, INDEPENDENCE, KY 41051-9163

Mortgage

Document Number	0005900062
Date	Aug 20, 2021
Book Page	259/588
Instrument	21082005900062

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	177 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 4232 Arbor Ct was $2,298.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$246,500 (+24.75%) Land $30,000 Building $216,500	$246,500 (+24.75%) Land $30,000 Building $216,500
2025	$2,298.00	$197,600 Land $30,000 Building $167,600	$197,600 Land $30,000 Building $167,600
2023	$1,704.00	$135,100 Land $25,000 Building $110,100	$135,100 Land $25,000 Building $110,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4232 Arbor Ct 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

Wildfire risk around 4232 Arbor Ct 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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 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
AT&T Fixed Wireless	100 / 20