Kenton County property record for 4451 Silversmith Ln, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · built 2015 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $292,500 (Jan 2018) |
| Tax Bill | $3,579 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-00-02-097.00 |
| Primary APN | 046-00-02-097.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 4451 SILVERSMITH LN |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8387 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REVERES CROSSING SEC 10 LOT 97 |
| Legal Subdivision | REVERES CROSSING |
| Legal Phase | 10 |
| Legal Lot Number | 97 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 63606 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4451 SILVERSMITH LN, INDEPENDENCE, KY 41051-8387 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 6, 2024 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Aug 12, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jan 8, 2018 | Grant Deed, Transfer · Conventional Mortgage SIRVA MTG |
| Mar 16, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 8, 2018 · Amount on Record |
| Deed Sale | Jan 8, 2018 · Amount on Record |
| Prior Sale | Jun 1, 2015 · Amount on Record |
| Deed Document Number | 201801 08 059 00060 |
| Deed Book / Page | 4051 / 329 |
| Prior Transfer Date | Mar 1, 2017 |
| Prior Transfer Doc | 0005900114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4451 SILVERSMITH LN, INDEPENDENCE, KY 41051-8387 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900013 |
|---|---|
| Date | Feb 6, 2024 |
| Book Page | KCM 524/651 |
| Instrument | 24020605900013 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4451 SILVERSMITH LN, INDEPENDENCE, KY 41051-8387 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900045 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 206/491 |
| Instrument | 21042305900045 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 157 Months |
| Due | May 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4451 SILVERSMITH LN, INDEPENDENCE, KY 41051-8387 |
| Document Number | 0000000251 |
| Instrument Date | Aug 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4451 SILVERSMITH LN INDEPENDENCE KY 410518387, INDEPENDENCE, KY 41051-8387 |
| Document Number | 0000000251 |
|---|---|
| Date | Aug 26, 2019 |
| Book Page | 0I4317/000272 |
| Instrument | 251 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 25, 2034 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 8, 2018 |
| Property Address | 4451 SILVERSMITH LN, INDEPENDENCE, KY 41051-8387 |
| Document Number | 0000000060 |
| Book / Page | 0I4051 / 000329 |
| Instrument Date | Jan 3, 2018 |
| Instrument | 60 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $292.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4451 SILVERSMITH LN INDEPENDENCE KY 410518387, INDEPENDENCE, KY 41051-8387 |
| Document Number | 61 |
|---|---|
| Date | Jan 8, 2018 |
| Book Page | 0I4051/000332 |
| Instrument | 61 |
| Name | SIRVA MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDEPENDENCE, OH 44131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 7, 2033 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 16, 2017 |
| Property Address | 4451 SILVERSMITH LN, INDEPENDENCE, KY 41051-8387 |
| Document Number | 0000000114 |
| Book / Page | 0I3910 / 000294 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 114 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4451 SILVERSMITH LN INDEPENDENCE KY 410518387, INDEPENDENCE, KY 41051-8387 |
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 | $307,800 (-) Land $45,000 Building $262,800 | $307,800 (-) Land $45,000 Building $262,800 | |
| 2025 | $3,579.00 (-3.03%) | $307,800 (+5.23%) Land $45,000 Building $262,800 | $307,800 (+5.23%) Land $45,000 Building $262,800 |
| 2023 | $3,691.00 | $292,500 Land $40,000 Building $252,500 | $292,500 Land $40,000 Building $252,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 89 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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