Kenton County property record for 4371 Silversmith Ln, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,620 sqft · built 2003 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $390,000 (Nov 2021) |
| Tax Bill | $4,535 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-00-02-061.00 |
| Primary APN | 046-00-02-061.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,620 sqft Finished Area |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 268 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 | 4371 SILVERSMITH LN |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8386 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REVERES CROSSING SEC 4 LOT 61 |
| Legal Subdivision | REVERES CROSSING |
| Legal Phase | 4 |
| Legal Lot Number | 61 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 63606 |
4371 Silversmith Ln is owned and occupied by two individuals who bought it in November 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4371 SILVERSMITH LN, INDEPENDENCE, KY 41051-8386 |
| 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 |
|---|---|
| Nov 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF ENGLAND |
| Jun 22, 2020 | Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2021 · Amount on File |
| Deed Sale | Nov 1, 2021 · Amount on File |
| Prior Sale | Sep 9, 2003 · Amount on File |
| Deed Document Number | 20215900128 |
| Deed Book / Page | 128 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 1, 2021 |
| Property Address | 4371 SILVERSMITH LN, INDEPENDENCE, KY 41051-8386 |
| Document Number | 0005900128 |
| Book / Page | 128 / 1 |
| Map Reference | SL A-499 |
| Instrument Date | Aug 13, 2021 |
| Instrument | 21110105900128 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $390.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10714 CLEARLAKE WAY, 10714, INDEPENDENCE, KY 41051-7004 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 4371 SILVERSMITH LN, INDEPENDENCE, KY 41051-8386 |
| Document Number | 0005900129 |
|---|---|
| Date | Nov 1, 2021 |
| Instrument | 21110105900129 |
| Name | BANK OF ENGLAND |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4371 SILVERSMITH LN, INDEPENDENCE, KY 41051-8386 |
| Document Number | 0000000084 |
| Instrument Date | Jun 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4371 SILVERSMITH LN INDEPENDENCE KY 410518386, INDEPENDENCE, KY 41051-8386 |
| Document Number | 0000000084 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 000M63/000652 |
| Instrument | 84 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.5% |
The 2025 property tax bill for 4371 Silversmith Ln was $4,535.
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 | $390,000 (-) Land $45,000 Building $345,000 | $390,000 (-) Land $45,000 Building $345,000 | |
| 2025 | $4,535.00 | $390,000 Land $45,000 Building $345,000 | $390,000 Land $45,000 Building $345,000 |
| 2023 | $4,921.00 | $390,000 Land $40,000 Building $350,000 | $390,000 Land $40,000 Building $350,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4371 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 4371 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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