Kenton County property record for 439 River Rd, Bromley, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,785 sqft · built 1993 |
| Lot Size | 1.01 acres (44,170 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (Jul 2021) |
| Tax Bill | $3,629 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Dec 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 026-20-00-016.01 |
| Primary APN | 026-20-00-016.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,785 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 44,170 sqft (1.01 acres) |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 439 RIVER RD |
|---|---|
| City | BROMLEY |
| State | KY |
| Zip | 41017-3815 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RICHMOND CHAS PT LOTS 6-7 1.014 ACS SS RIVER RD |
| Legal Subdivision | RICHMOND CHAS |
| Legal Lot Number | 6,7 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 5 |
| Census Block | 5046 |
| Census Tract | 66900 |
Source: Kenton County assessment roll, APN 026-20-00-016.01, as of 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 | 439 RIVER RD, BROMLEY, KY 41017-3815 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 13, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Dec 21, 2017 | Warranty Deed, Transfer · Conventional with PMI CINCINNATI FED'L |
| Apr 27, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2021 · Amount on Record |
| Deed Sale | Jul 13, 2021 · Amount on Record |
| Prior Sale | Dec 21, 2017 · Amount on Record |
| Deed Document Number | 20215900297 |
| Deed Book / Page | 103 / 352 |
| Prior Transfer Date | Apr 24, 2017 |
| Prior Transfer Doc | 0000000124 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 13, 2021 |
| Property Address | 439 RIVER RD, BROMLEY, KY 41017-3815 |
| Document Number | 0005900297 |
| Book / Page | 103 / 352 |
| Map Reference | SL 25 |
| Instrument Date | Jun 30, 2021 |
| Instrument | 21071305900297 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2021 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 N MILLER ST, 110, CYNTHIANA, KY 41031-1325 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 439 RIVER RD, BROMLEY, KY 41017-3815 |
| Document Number | 0005900298 |
|---|---|
| Date | Jul 13, 2021 |
| Book Page | 241/202 |
| Instrument | 21071305900298 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 21, 2017 |
| Property Address | 439 RIVER RD, BROMLEY, KY 41017-3815 |
| Document Number | 0000000134 |
| Book / Page | 0C6321 / 000029 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 134 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2018 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.90 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 439 RIVER RD BROMLEY KY 410173815, BROMLEY, KY 41017-3815 |
| Document Number | 135 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 0C6321/000033 |
| Instrument | 135 |
| Name | CINCINNATI FED'L |
|---|---|
| Address | CINCINNATI, OH 45225 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 20, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 27, 2017 |
| Property Address | 439 RIVER RD, BROMLEY, KY 41017-3815 |
| Document Number | 0000000124 |
| Book / Page | 0C6145 / 000201 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 124 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 435 RIVER RD BROMLEY KY 410173815, BROMLEY, KY 41017-3815 |
Source: Kenton County assessment roll as of December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| Municipality | Bromley City |
| County | Kenton County |
| 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 | $3,629.00 (-6.76%) | $260,000 (-) Land $10,000 Building $250,000 | $260,000 (-) Land $10,000 Building $250,000 |
| 2023 | $3,892.00 | $260,000 Land $10,000 Building $250,000 | $260,000 Land $10,000 Building $250,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170669005, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 45 policies |
| Nearby Flood Policies | 45 in force |
| Nearby Flood Claims | 91 (1978–2025) |
| Claims Outside the SFHA | 11 of 91 |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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, 38 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
Source: EPA Safe Drinking Water Information System, water system KY0590220, 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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