50 Oby Dr, Independence, KY 41051 Property Records

Kenton County property record for 50 Oby Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,500 sqft · built 1980
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on File
Last Sale	$338,500 (Jun 2024)
Tax Bill	$3,936 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034-30-01-047.00`

Property Details

APN / Parcel Number

Primary APN	`034-30-01-047.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,500 sqft Finished Area

Exterior

Year Built	Built 1980
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	0343001047.00
Street Address	50 OBY DR
City	INDEPENDENCE
State	KY
Zip	41051-9278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FREEDOM PARK SEC 2 LOT 12 0.85 ACS ES OBY DR
Legal Subdivision	FREEDOM PARK
Legal Phase	2
Legal Lot Number	12
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3021
Census Tract	63609

Owner

Source: Kenton County records · APN 034-30-01-047.00

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	50 OBY DR, INDEPENDENCE, KY 41051-9278
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2021	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Nov 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Sep 25, 2017	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 19, 2024 · Amount on Record
Deed Sale	Jun 19, 2024 · Amount on Record
Prior Sale	Sep 25, 2017 · Amount on Record
Deed Document Number	0000290448
Deed Book / Page	290 / 448
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	50 OBY DR, INDEPENDENCE, KY 41051-9278
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 OBY DR, INDEPENDENCE, KY 41051-9278

Mortgage

Document Number	0005900155
Date	Aug 12, 2021
Book Page	255/717
Instrument	21081205900155

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	50 OBY DR, INDEPENDENCE, KY 41051-9278
Document Number	0000000280
Instrument Date	Nov 04, 2020
Transaction Type	Mortgage
Record Updated	Dec 02, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 OBY DR INDEPENDENCE KY 410519278, INDEPENDENCE, KY 41051-9278

Mortgage

Document Number	0000000280
Date	Nov 10, 2020
Book Page	00M124/000286
Instrument	280

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 09, 2040

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 25, 2017
Property Address	50 OBY DR, INDEPENDENCE, KY 41051-9278
Document Number	0000000247
Book / Page	004004 / 000253
Instrument Date	Sep 13, 2017
Instrument	247
Transaction Type	Transfer
Record Updated	Oct 13, 2017
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$186.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	50 OBY DR INDEPENDENCE KY 410519278, INDEPENDENCE, KY 41051-9278

Mortgage

Document Number	248
Date	Sep 25, 2017
Book Page	004004/000256
Instrument	248

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,936.00 (+42.76%)	$338,500 (+54.92%) Land $50,000 Building $288,500	$338,500 (+54.92%) Land $50,000 Building $288,500
2023	$2,757.00	$218,500 Land $40,000 Building $178,500	$218,500 Land $40,000 Building $178,500

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

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

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

Based on FCC filings for 129 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 System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 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.

50 Oby Dr, 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

August 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Oby Dr

Nearby Streets

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