4945 Pumpkin Patch Way, Independence, KY 41051 Property Records

Kenton County property record for 4945 Pumpkin Patch Way, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,852 sqft · built 2002
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Company Names on Record
Last Sale	$244,000 (Oct 2018)
Tax Bill	$3,261 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045-20-01-127.00`

Property Details

APN / Parcel Number

Primary APN	`045-20-01-127.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,852 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	4945 PUMPKIN PATCH WAY
City	INDEPENDENCE
State	KY
Zip	41051-8167
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARVEST HILLS SEC 8 LOT 127
Legal Subdivision	HARVEST HILLS
Legal Phase	8
Legal Lot Number	127
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1008
Census Tract	63606

Owner

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	2 Company Names on Record
Mailing Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Deed of Trust, Mortgage · Line of Credit KEMBA CREDIT UNION
Mar 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Mar 3, 2020	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BK NA
Oct 4, 2018	Warranty Deed, Transfer · FHA Mortgage HUNTINGTON NAT'L BK
Jul 26, 2017	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Prior Sale	Jun 11, 2002 · Amount on Record
Deed Document Number	201810 04 059 00219
Deed Book / Page	4175 / 268
Last Transfer Date	Jul 11, 2025
Transfer Doc	0005900003
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2026
Property Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Document Number	0000015283
Book / Page	461 / 645
Instrument Date	Jun 25, 2026
Instrument	202615283
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust, 212
Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number	0000015283,
Date	Jul 20, 2026
Book Page	461/645
Instrument	202615283

Lender

Name	KEMBA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 25, 2041

Interest

Rate	5.87%
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Transaction Type	Mortgage
Record Updated	Mar 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number	0005900183
Date	Mar 10, 2022
Book Page	347/114
Instrument	22031005900183

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Feb 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Document Number	0000000285
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4945 PUMPKIN PATCH WAY INDEPENDENCE KY 410518167, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number	0000000285
Date	Mar 19, 2020
Book Page	000M21/000786
Instrument	285

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 4, 2018
Property Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Document Number	0000000219
Book / Page	0I4175 / 000268
Instrument Date	Oct 2, 2018
Instrument	219
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4945 PUMPKIN PATCH WAY INDEPENDENCE KY 410518167, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number	220
Date	Oct 4, 2018
Book Page	0I4175/000271
Instrument	220

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2048

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	4945 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Document Number	0000000099
Instrument Date	Jul 26, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4945 PUMPKIN PATCH WAY INDEPENDENCE KY 410518167, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number	0000000099
Date	Aug 14, 2017
Book Page	0I3983/000337
Instrument	99

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$280,400 (-) Land $45,000 Building $235,400	$280,400 (-) Land $45,000 Building $235,400
2025	$3,261.00 (+5.91%)	$280,400 (+14.92%) Land $45,000 Building $235,400	$280,400 (+14.92%) Land $45,000 Building $235,400
2023	$3,079.00	$244,000 Land $35,000 Building $209,000	$244,000 Land $35,000 Building $209,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 275 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

4945 Pumpkin Patch Way, Independence, KY 41051 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

October 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2017: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Pumpkin Patch Way

Nearby Streets

Search Property Records by Address or Parcel Number