Kenton County property record for 4370 Silversmith Ln, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 1,706 sqft · built 2007 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $360,000 (Sep 2023) |
| Tax Bill | $4,186 (2025) |
| Deeds & Mortgages | Sep 2023 Sale Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-00-02-071.00 |
| Primary APN | 046-00-02-071.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,706 sqft Finished Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 26,572 sqft (0.61 acres) |
| Lot Dimensions | 331 ft deep x 80 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4370 SILVERSMITH LN |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8385 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REVERES CROSSING SEC 4 LOT 71 |
| Legal Subdivision | REVERES CROSSING |
| Legal Phase | 4 |
| Legal Lot Number | 71 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 63606 |
4370 Silversmith Ln is owned and occupied by two individuals who bought it in September 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4370 SILVERSMITH LN, INDEPENDENCE, KY 41051-8385 |
| 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.
| Date | Document |
|---|---|
| Sep 29, 2023 | Warranty Deed, Transfer |
| Oct 22, 2019 | Deed of Trust, Mortgage · FHA Mortgage STOCKTON MTG |
| Dec 6, 2018 | Grant Deed, Transfer · FHA Mortgage STOCKTON MTG |
| Jul 18, 2017 | Loan Modification, Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 29, 2023 · Amount on File |
| Deed Sale | Sep 29, 2023 · Amount on File |
| Prior Sale | Dec 6, 2018 · Amount on File |
| Deed Document Number | 2023116 |
| Deed Book / Page | 249 / 214 |
| Prior Transfer Date | Aug 7, 2006 |
| Prior Transfer Doc | 0005900132 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 29, 2023 |
| Property Address | 4370 SILVERSMITH LN, INDEPENDENCE, KY 41051-8385 |
| Document Number | 0005900116 |
| Book / Page | KC 249 / 214 |
| Map Reference | SL A-499 |
| Instrument Date | Sep 27, 2023 |
| Instrument | 23092905900116 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 295 CARTER ROUTE FF, ELLSINORE, MO 63937-8589 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4370 SILVERSMITH LN, INDEPENDENCE, KY 41051-8385 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4370 SILVERSMITH LN, INDEPENDENCE, KY 41051-8385 |
| Document Number | 0000000190 |
| Instrument Date | Oct 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | CLEAR TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4370 SILVERSMITH LN INDEPENDENCE KY 410518385, INDEPENDENCE, KY 41051-8385 |
| Document Number | 0000000190 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 0I4365/000306 |
| Instrument | 190 |
| Name | STOCKTON MTG |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 6, 2018 |
| Property Address | 4370 SILVERSMITH LN, INDEPENDENCE, KY 41051-8385 |
| Document Number | 0000000180 |
| Book / Page | 0I4202 / 000076 |
| Instrument Date | Nov 30, 2018 |
| Instrument | 180 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2018 |
| Title Company | CLEAR TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $315.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4370 SILVERSMITH LN INDEPENDENCE KY 410518385, INDEPENDENCE, KY 41051-8385 |
| Document Number | 181 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 0I4202/000079 |
| Instrument | 181 |
| Name | STOCKTON MTG |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2048 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4370 SILVERSMITH LN, INDEPENDENCE, KY 41051-8385 |
| Document Number | 0000000079 |
| Book / Page | 0I3997 / 000080 |
| Instrument Date | Jul 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4370 SILVERSMITH LN INDEPENDENCE KY 410518385, INDEPENDENCE, KY 41051-8385 |
| Document Number | 0000000079 |
|---|---|
| Date | Sep 8, 2017 |
| Book Page | 0I3997/000080 |
| Instrument | 79 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Amount | Amount on Record |
|---|---|
| Term | 480 Months |
| Due | Sep 7, 2057 |
| Rate | 4% |
|---|
The 2025 property tax bill for 4370 Silversmith Ln was $4,186.
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 |
|---|---|---|---|
| 2026 | $360,000 (-) Land $45,000 Building $315,000 | $360,000 (-) Land $45,000 Building $315,000 | |
| 2025 | $4,186.00 | $360,000 Land $45,000 Building $315,000 | $360,000 Land $45,000 Building $315,000 |
| 2023 | $3,975.00 (-1.41%) | $315,000 (-) Land $40,000 Building $275,000 | $315,000 (-) Land $40,000 Building $275,000 |
| 2022 | $4,032.00 | $315,000 Land $40,000 Building $275,000 | $315,000 Land $40,000 Building $275,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4370 Silversmith Ln 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 risk around 4370 Silversmith Ln 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.
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 185 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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