Kenton County property record for 49 Oby Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,400 sqft · built 2007 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $207,000 (Jul 2017) |
| Tax Bill | $2,778 (2025) |
| Deeds & Mortgages | Jul 2017 Sale & Mortgage Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 034-30-01-073.00 |
| Primary APN | 034-30-01-073.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,400 sqft Finished Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 139 ft deep x 82 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 49 OBY DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9603 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FREEDOM PARK SEC 5 LOT 24 |
| Legal Subdivision | FREEDOM PARK |
| Legal Phase | 5 |
| Legal Lot Number | 24 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 63609 |
49 Oby Dr is owned and occupied by two individuals who bought it in July 2017.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 49 OBY DR, INDEPENDENCE, KY 41051-9603 |
| 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 |
|---|---|
| Jul 6, 2017 | Warranty Deed, Transfer · Conventional Mortgage US BK |
| Jun 16, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2017 · Amount on File |
| Deed Sale | Jul 6, 2017 · Amount on File |
| Prior Sale | May 3, 2006 · Amount on File |
| Deed Document Number | 201707 06 059 00100 |
| Deed Book / Page | 3965 / 205 |
| Prior Transfer Date | Jun 19, 2013 |
| Prior Transfer Doc | 0005900294 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 6, 2017 |
| Property Address | 49 OBY DR, INDEPENDENCE, KY 41051-9603 |
| Document Number | 0000000100 |
| Book / Page | 003965 / 000205 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 100 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | BRB TRUST TITLE AGENCY, BRB TR TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 49 OBY DR INDEPENDENCE KY 410519603, INDEPENDENCE, KY 41051-9603 |
| Document Number | 103 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 003965/000208 |
| Instrument | 103 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 5, 2047 |
| Document Number | 103, |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 0I3965/000208 |
| Instrument | 103 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 5, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 49 OBY DR, INDEPENDENCE, KY 41051-9603 |
| Document Number | 0000000103 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2017 |
| Title Company | BRB TRUST TITLE AGENCY, BRB TR TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 49 OBY DR INDEPENDENCE KY 410519603, INDEPENDENCE, KY 41051-9603 |
| Document Number | 0000000103 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | 003965/000208 |
| Instrument | 103 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 5, 2047 |
The 2025 property tax bill for 49 Oby Dr was $2,778 with a homeowner's exemption.
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 | $288,000 (-) Land $50,000 Building $238,000 | $288,000 (-) Land $50,000 Building $238,000 | |
| 2025 | $2,778.00 Homeowner's exemption | $288,000 Land $50,000 Building $238,000 | $288,000 Land $50,000 Building $238,000 |
| 2023 | $2,324.00 Homeowner's exemption | $230,600 Land $40,000 Building $190,600 | $230,600 Land $40,000 Building $190,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 49 Oby Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
Wildfire risk around 49 Oby Dr 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 | 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 129 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures