5073 Christopher Dr, Independence, KY 41051 Property Records

Kenton County property record for 5073 Christopher Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,320 sqft · built 1999
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,500 (Sep 2026)
Tax Bill	$2,162 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`032-40-01-015.38`

Property Details

APN / Parcel Number

Primary APN	`032-40-01-015.38`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,320 sqft Finished Area
Gross Area	1,832 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
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	5073 CHRISTOPHER DR
City	INDEPENDENCE
State	KY
Zip	41051-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDEPENDENCE RIDGE SEC 3 LOT 38
Legal Subdivision	INDEPENDENCE RIDGE
Legal Phase	3
Legal Lot Number	38
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1012
Census Tract	63610

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5073 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2026	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Jan 4, 2023	Warranty Deed, Transfer · VA Mortgage STOCKTON MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2026 · Amount on Record
Deed Sale	Sep 25, 2026 · Amount on Record
Prior Sale	Jan 4, 2023 · Amount on Record
Deed Document Number	2026092521892
Deed Book / Page	502 / 990
Prior Transfer Date	Aug 8, 2008
Prior Transfer Doc	0005900085
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 25, 2026
Property Address	5073 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
Document Number	0000021892
Book / Page	502 / 990
Instrument Date	Sep 23, 2026
Instrument	2026092521892
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,845.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	5073 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000

Mortgage

Document Number	0000021893,
Date	Sep 25, 2026
Instrument	2026092521893

Lender

Name	GUARANTEED RATE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 4, 2023
Property Address	5073 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
Document Number	0005900001
Book / Page	207 / 598
Map Reference	SL 245-A
Instrument Date	Dec 2, 2022
Instrument	23010405900001
Transaction Type	Transfer
Record Updated	Aug 22, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5073 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5073 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900002
Date	Jan 4, 2023
Instrument	23010405900002

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Mortgage

Document Number	0005900003
Date	Jan 4, 2023
Book Page	432/79
Instrument	23010405900003

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$235,000 (-) Land $35,000 Building $200,000	$235,000 (-) Land $35,000 Building $200,000
2025	$2,162.00 (-27.08%) Disabled Person's exemption	$235,000 (-) Land $35,000 Building $200,000	$235,000 (-) Land $35,000 Building $200,000
2023	$2,965.00 (+36.07%)	$235,000 (+37.99%) Land $30,000 Building $205,000	$235,000 (+37.99%) Land $30,000 Building $205,000
2022	$2,179.00	$170,300 Land $30,000 Building $140,300	$170,300 Land $30,000 Building $140,300

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 · 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	4 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

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 175 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

May also be available: Verizon.

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