43 Fleming Dr, Independence, KY 41051 Property Records

Kenton County property record for 43 Fleming Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,092 sqft · built 1973
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$136,000 (Aug 2018)
Tax Bill	$1,959 (2025)
Deeds & Mortgages	Aug 2018 Sale & Line of Credit Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`032-30-01-017.00`

Property Details

APN / Parcel Number

Primary APN	`032-30-01-017.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Units	3 Units
Stories	1 Story
Building Area	1,092 sqft Finished Area
Gross Area	1,499 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	43 FLEMING DR
City	INDEPENDENCE
State	KY
Zip	41051-8515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLCREST ACRES LOT 53 0.28 ACS SS FLEMING DR
Legal Subdivision	HILLCREST ACRES
Legal Lot Number	53
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1012
Census Tract	63610

Owner

43 Fleming Dr is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	43 FLEMING DR, INDEPENDENCE, KY 41051-8515
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2018	Grant Deed, Transfer · Line of Credit KENTUCKY HSNG
Jan 11, 2017	Quit Claim Deed, Mortgage · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018 · Amount on File
Deed Sale	Aug 27, 2018 · Amount on File
Deed Document Number	201808 27 059 00041
Deed Book / Page	4154 / 129
Record Updated	Oct 29, 2026

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 27, 2018
Property Address	43 FLEMING DR, INDEPENDENCE, KY 41051-8515
Document Number	0000000041
Book / Page	0I4154 / 000129
Instrument Date	Aug 24, 2018
Instrument	41
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 NICHOLSON AVE WALTON KY 410941119, WALTON, KY 41094-1119

Mortgage

Document Number	43
Date	Aug 27, 2018
Book Page	0I4154/000148
Instrument	43

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 26, 2023

Interest

Rate Type	Adjustable Rate
Rate	12%

Mortgage

Document Number	42,
Date	Aug 27, 2018
Book Page	0I4154/000132
Instrument	42

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 26, 2048

January 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 11, 2017
Property Address	43 FLEMING DR, INDEPENDENCE, KY 41051-8515
Document Number	0000000141
Book / Page	0I3884 / 000093
Instrument Date	Oct 21, 2016
Instrument	141
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 FLEMING DR INDEPENDENCE KY 410518515, INDEPENDENCE, KY 41051-8515

Mortgage

Document Number	142
Date	Jan 11, 2017
Book Page	0I3884/000097
Instrument	142

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 43 Fleming Dr was $1,959.

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		$168,500 (-) Land $40,000 Building $128,500	$168,500 (-) Land $40,000 Building $128,500
2025	$1,959.00	$168,500 Land $40,000 Building $128,500	$168,500 Land $40,000 Building $128,500
2023	$2,089.00	$165,600 Land $30,000 Building $135,600	$165,600 Land $30,000 Building $135,600

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

Flood

FEMA maps place 43 Fleming Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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.

Wildfire

Wildfire risk around 43 Fleming Dr 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.

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 141 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

Cell Coverage

5G (outdoors only) and 4G LTE

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