5086 Christopher Dr, Independence, KY 41051 Property Records

Kenton County property record for 5086 Christopher Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1998
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,000 (Apr 2013)
Tax Bill	$3,116 (2025)
Deeds & Mortgages	Mar 2024 Mortgage May 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`032-40-01-015.33`

Property Details

APN / Parcel Number

Primary APN	`032-40-01-015.33`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,080 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 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	5086 CHRISTOPHER DR
City	INDEPENDENCE
State	KY
Zip	41051-8001
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDEPENDENCE RIDGE SEC 3 LOT 33
Legal Subdivision	INDEPENDENCE RIDGE
Legal Phase	3
Legal Lot Number	33
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10140 LINN STATION RD, LOUISVILLE, KY 40223-3813
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2024	Deed of Trust, Mortgage · Conventional Mortgage STATEWIDE MORTGAGE LLC
May 12, 2023	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Dec 8, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP
Apr 1, 2021	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Jun 6, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MTG
Sep 25, 2018	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MTG
Jul 19, 2017	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2013 · Amount on Record
Deed Sale	Apr 8, 2013 · Amount on Record
Prior Sale	Jan 23, 2006 · Amount on Record
Deed Document Number	201304 08 059 00057
Deed Book / Page	3248 / 103
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001

Mortgage

Document Number	0005900163
Date	Mar 27, 2024
Book Page	KCM 536/89
Instrument	24032705900163

Lender

Name	STATEWIDE MORTGAGE LLC
Type	Mortgage Company
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900004
Date	May 12, 2023
Book Page	KCM 460/930
Instrument	23051205900004

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900072
Date	Dec 8, 2021
Book Page	312/458
Instrument	21120805900072

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900113
Date	Apr 1, 2021
Book Page	194/182
Instrument	21040105900113

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001
Document Number	0000000068
Instrument Date	Jun 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ORCHARD STREET SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5086 CHRISTOPHER DR INDEPENDENCE KY 410518001, INDEPENDENCE, KY 41051-8001

Mortgage

Document Number	0000000068
Date	Aug 17, 2020
Book Page	000M83/000735
Instrument	68

Lender

Name	OCEANSIDE MTG
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001
Document Number	0000000201
Instrument Date	Sep 25, 2018
Transaction Type	Mortgage
Record Updated	Oct 22, 2018
Title Company	ORCHARD STREET SETTLEMENTS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5086 CHRISTOPHER DR INDEPENDENCE KY 410518001, INDEPENDENCE, KY 41051-8001

Mortgage

Document Number	0000000201
Date	Oct 4, 2018
Book Page	0I4175/000221
Instrument	201

Lender

Name	OCEANSIDE MTG
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

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

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 19, 2017
Property Address	5086 CHRISTOPHER DR, INDEPENDENCE, KY 41051-8001
Document Number	0000000178
Book / Page	003972 / 000004
Instrument Date	Jul 18, 2017
Instrument	178
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5086 CHRISTOPHER DR INDEPENDENCE KY 410518001, INDEPENDENCE, KY 41051-8001

Mortgage

Document Number	179
Date	Jul 19, 2017
Book Page	003972/000008
Instrument	179

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2047

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		$268,000 (-) Land $35,000 Building $233,000	$268,000 (-) Land $35,000 Building $233,000
2025	$3,116.00 (+37.88%)	$268,000 (+49.64%) Land $35,000 Building $233,000	$268,000 (+49.64%) Land $35,000 Building $233,000
2023	$2,260.00	$179,100 Land $30,000 Building $149,100	$179,100 Land $30,000 Building $149,100

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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