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4977 Pumpkin Patch Way, Independence, KY 41051 Property Records

Kenton County property record for 4977 Pumpkin Patch Way, Independence, KY 41051

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 1,949 sqft · built 1999
Lot Size0.33 acres (14,375 sqft)
Owner2 Individual Names on File
Last Sale$210,000 (Sep 2019)
Tax Bill$3,007 (2025)
Deeds & MortgagesJul 2020 Mortgage
Sep 2019 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN045-20-01-135.00

Property Details

APN / Parcel Number

Primary APN045-20-01-135.00

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths2 Half Baths
Stories2 Stories
Building Area1,949 sqft Finished Area
Gross Area2,442 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area14,375 sqft (0.33 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0452001135.00
Street Address4977 PUMPKIN PATCH WAY
CityINDEPENDENCE
StateKY
Zip41051-8167
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHARVEST HILLS SEC 9 LOT 135
Legal SubdivisionHARVEST HILLS
Legal Phase9
Legal Lot Number135
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group1
Census Block1008
Census Tract63606

Owner

Source: Kenton County records · APN 045-20-01-135.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4977 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 30, 2020Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MTG
Sep 30, 2019Warranty Deed, Transfer · FHA Mortgage
GUARDIAN SVGS BK
Oct 03, 2017Warranty Deed, Transfer · Conventional Mortgage
KENTUCKY HSNG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 30, 2019 · Amount on Record
Deed SaleSep 30, 2019 · Amount on Record
Prior SaleOct 03, 2017 · Amount on Record
Deed Document Number0004336120
Deed Book / Page4336 / 120
Record UpdatedJun 08, 2026

July 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address4977 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Document Number0000000033
Instrument DateJul 30, 2020
Transaction TypeMortgage
Record UpdatedSep 18, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4977 PUMPKIN PATCH WAY INDEPENDENCE KY 410518167, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number0000000033
DateAug 13, 2020
Book Page000M82/000022
Instrument33
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 12, 2050

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 30, 2019
Property Address4977 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Document Number0000000139
Book / Page0I4336 / 000120
Instrument DateSep 18, 2019
Instrument139
Transaction TypeTransfer
Record UpdatedOct 25, 2019
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$210.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4977 PUMPKIN PATCH WAY INDEPENDENCE KY 410518167, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number140
DateSep 30, 2019
Book Page0I4336/000123
Instrument140
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank
AddressCINCINNATI, OH 45239
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 29, 2049

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateOct 03, 2017
Property Address4977 PUMPKIN PATCH WAY, INDEPENDENCE, KY 41051-8167
Document Number0000000063
Book / Page0I4008 / 000120
Instrument DateSep 08, 2017
Instrument63
Transaction TypeTransfer
Record UpdatedJan 10, 2019
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$185.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4977 PUMPKIN PATCH WAY INDEPENDENCE KY 410518167, INDEPENDENCE, KY 41051-8167

Mortgage

Document Number65
DateOct 03, 2017
Book Page004008/000141
Instrument65
Lender
NameKENTUCKY HSNG
AddressFRANKFORT, KY 40601-6191
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueOct 02, 2027

Mortgage

Document Number64,
DateOct 03, 2017
Book Page004008/000123
Instrument64
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
AmountAmount Recorded
Term360 Months
DueOct 02, 2047

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,007.00 (+13.47%)$258,600 (+23.14%) Land $45,000 Building $213,600$258,600 (+23.14%) Land $45,000 Building $213,600
2023$2,650.00$210,000 Land $30,000 Building $180,000$210,000 Land $30,000 Building $180,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 275 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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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