5081 Christopher Dr, Independence, KY 41051 Property Records

Kenton County property record for 5081 Christopher Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,320 sqft · built 1998
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Aug 2023)
Tax Bill	$2,674 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Mar 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`032-40-01-015.40`

Property Details

APN / Parcel Number

Primary APN	`032-40-01-015.40`

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	1,712 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 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	5081 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 40
Legal Subdivision	INDEPENDENCE RIDGE
Legal Phase	3
Legal Lot Number	40
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1012
Census Tract	63610

Owner

5081 Christopher Dr is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5081 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2023	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Mar 2, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2023 · Amount on File
Deed Sale	Aug 28, 2023 · Amount on File
Prior Sale	Mar 2, 2020 · Amount on File
Deed Document Number	2023196
Deed Book / Page	243 / 541
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 28, 2023
Property Address	5081 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
Document Number	0005900196
Book / Page	KC 243 / 541
Map Reference	SL 245-A
Instrument Date	Jul 13, 2023
Instrument	23082805900196
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	AMERICAN HOME TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	997 MORRISON DR STE 402, 402, CHARLESTON, SC 29403-4380

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5081 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900197
Date	Aug 28, 2023
Book Page	KCM 487/245
Instrument	23082805900197

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2053

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 2, 2020
Property Address	5081 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8000
Document Number	0000000134
Book / Page	000009 / 000401
Instrument Date	Feb 14, 2020
Instrument	134
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1505 KING STREET EXT #100 CHARLESTON SC 294059442, 100, CHARLESTON, SC 29405-9442
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5081 Christopher Dr was $2,674.

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		$230,000 (-) Land $35,000 Building $195,000	$230,000 (-) Land $35,000 Building $195,000
2025	$2,674.00	$230,000 Land $35,000 Building $195,000	$230,000 Land $35,000 Building $195,000
2023	$1,829.00 (-1.45%)	$145,000 (-) Land $30,000 Building $115,000	$145,000 (-) Land $30,000 Building $115,000
2022	$1,856.00	$145,000 Land $30,000 Building $115,000	$145,000 Land $30,000 Building $115,000

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

Flood

FEMA maps place 5081 Christopher 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	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

Wildfire risk around 5081 Christopher 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	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.

Nearby Properties on Christopher Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures