5118 Christopher Dr, Independence, KY 41051 Property Records

Kenton County property record for 5118 Christopher Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,381 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Dec 2018)
Tax Bill	$2,919 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`032-40-01-015.25`

Property Details

APN / Parcel Number

Primary APN	`032-40-01-015.25`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,381 sqft Finished Area
Gross Area	1,959 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	13,068 sqft (0.3 acres)
Lot Dimensions	144 ft deep x 56 ft wide
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	5118 CHRISTOPHER DR
City	INDEPENDENCE
State	KY
Zip	41051-9214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDEPENDENCE RIDGE SEC 3 LOT 25
Legal Subdivision	INDEPENDENCE RIDGE
Legal Phase	3
Legal Lot Number	25
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1012
Census Tract	63610

Owner

5118 Christopher Dr is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	5118 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9214
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
Oct 22, 2025	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Dec 22, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Feb 18, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Dec 26, 2018	Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2018 · Amount on File
Deed Sale	Dec 26, 2018 · Amount on File
Prior Sale	Mar 31, 1999 · Amount on File
Deed Document Number	201812 26 059 00227
Deed Book / Page	4208 / 295
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5118 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9214
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5118 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9214

Mortgage

Document Number	0005900045
Date	Oct 22, 2025
Book Page	KCM 698/915
Instrument	25102205900045

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Aug 1, 2051

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5118 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9214
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5118 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9214

Mortgage

Document Number	0005900116
Date	Dec 22, 2023
Book Page	KCM 516/477
Instrument	23122205900116

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	Aug 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	5118 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9214
Document Number	0000000342
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5118 CHRISTOPHER DR INDEPENDENCE KY 410519214, INDEPENDENCE, KY 41051-9214

Mortgage

Document Number	0000000342
Date	Mar 10, 2020
Book Page	000M18/000335
Instrument	342

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 26, 2018
Property Address	5118 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9214
Document Number	0000000227
Book / Page	0I4208 / 000295
Instrument Date	Dec 19, 2018
Instrument	227
Transaction Type	Transfer
Record Updated	Jan 8, 2019
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5118 CHRISTOPHER DR INDEPENDENCE KY 410519214, INDEPENDENCE, KY 41051-9214

Mortgage

Document Number	229
Date	Dec 26, 2018
Book Page	0I4208/000298
Instrument	229

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5118 Christopher Dr was $2,919.

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		$251,000 (-) Land $35,000 Building $216,000	$251,000 (-) Land $35,000 Building $216,000
2025	$2,919.00	$251,000 Land $35,000 Building $216,000	$251,000 Land $35,000 Building $216,000
2023	$2,713.00	$215,000 Land $30,000 Building $185,000	$215,000 Land $30,000 Building $185,000

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

Flood

FEMA maps place 5118 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 5118 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.

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