Kenton County property record for 4422 Silversmith Ln, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,976 sqft · built 2009 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $283,900 (Feb 2019) |
| Tax Bill | $3,566 (2025) |
| Deeds & Mortgages | Mar 2024 Line of Credit May 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-00-02-029.00 |
| Primary APN | 046-00-02-029.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,976 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 19,602 sqft (0.45 acres) |
| 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 | 4422 SILVERSMITH LN |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8388 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REVERES CROSSING SEC 6 LOT 29 |
| Legal Subdivision | REVERES CROSSING |
| Legal Phase | 6 |
| Legal Lot Number | 29 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 63606 |
4422 Silversmith Ln is owned and occupied by two individuals who bought it in February 2019.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4422 SILVERSMITH LN, INDEPENDENCE, KY 41051-8388 |
| 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 |
|---|---|
| Mar 28, 2024 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| May 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BANK & TRUST CO |
| Nov 21, 2019 | Deed of Trust, Mortgage · Conventional with PMI FIFTH THIRD BK |
| Feb 20, 2019 | Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2019 · Amount on File |
| Deed Sale | Feb 20, 2019 · Amount on File |
| Prior Sale | Jul 24, 2008 · Amount on File |
| Deed Document Number | 201902 20 059 00148 |
| Deed Book / Page | 4227 / 91 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4422 SILVERSMITH LN, INDEPENDENCE, KY 41051-8388 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|---|
| Address | 4422 SILVERSMITH LN, INDEPENDENCE, KY 41051-8388 |
| Document Number | 0005900118 |
|---|---|
| Date | Mar 28, 2024 |
| Book Page | KCM 536/388 |
| Instrument | 24032805900118 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4422 SILVERSMITH LN, INDEPENDENCE, KY 41051-8388 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900252 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 215/513 |
| Instrument | 21051305900252 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4422 SILVERSMITH LN, INDEPENDENCE, KY 41051-8388 |
| Document Number | 0000000060 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4422 SILVERSMITH LN INDEPENDENCE KY 410518388, INDEPENDENCE, KY 41051-8388 |
| Document Number | 0000000060 |
|---|---|
| Date | Dec 6, 2019 |
| Book Page | 0I4373/000232 |
| Instrument | 60 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 5, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 20, 2019 |
| Property Address | 4422 SILVERSMITH LN, INDEPENDENCE, KY 41051-8388 |
| Document Number | 0000000148 |
| Book / Page | 0I4227 / 000091 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 148 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $283.90 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4422 SILVERSMITH LN INDEPENDENCE KY 410518388, INDEPENDENCE, KY 41051-8388 |
| Document Number | 149 |
|---|---|
| Date | Feb 20, 2019 |
| Book Page | 0I4227/000094 |
| Instrument | 149 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 19, 2049 |
The 2025 property tax bill for 4422 Silversmith Ln was $3,566.
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 | $306,700 (-) Land $45,000 Building $261,700 | $306,700 (-) Land $45,000 Building $261,700 | |
| 2025 | $3,566.00 | $306,700 Land $45,000 Building $261,700 | $306,700 Land $45,000 Building $261,700 |
| 2023 | $3,582.00 | $283,900 Land $40,000 Building $243,900 | $283,900 Land $40,000 Building $243,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4422 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 4422 Silversmith Ln is low, with less than 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 94% of the US · lower than 94% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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.
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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