Kenton County property record for 5396 Midnight Run, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · built 2020 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | Individual Name on File |
| Last Sale | $38,000 (Jul 2019) |
| Tax Bill | $3,512 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit Sep 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 046-00-02-088.00 |
| Primary APN | 046-00-02-088.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 16,988 sqft (0.39 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 5396 MIDNIGHT RUN |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8323 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | REVERES CROSSING SEC 2 LOT 88 |
| Legal Subdivision | REVERES CROSSING |
| Legal Phase | 2 |
| Legal Lot Number | 88 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 63606 |
5396 Midnight Run is owned and occupied by an individual who acquired it in August 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5396 MIDNIGHT RUN, INDEPENDENCE, KY 41051-8323 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 23, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Sep 23, 2019 | Deed of Trust, Mortgage GUARDIAN SVGS BK |
| Jul 1, 2019 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2019 · Amount on File |
| Deed Sale | Jul 1, 2019 · Amount on File |
| Deed Document Number | 201907 01 059 00232 |
| Deed Book / Page | 4285 / 305 |
| Last Transfer Date | Aug 25, 2025 |
| Transfer Doc | 0005900124 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 5396 MIDNIGHT RUN, INDEPENDENCE, KY 41051-8323 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5396 MIDNIGHT RUN, INDEPENDENCE, KY 41051-8323 |
| Document Number | 0005900094 |
|---|---|
| Date | Oct 23, 2025 |
| Book Page | KCM 699/553 |
| Instrument | 25102305900094 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Nov 1, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 5396 MIDNIGHT RUN, INDEPENDENCE, KY 41051-8323 |
| Document Number | 0000000230 |
| Instrument Date | Sep 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5396 MIDNIGHT RUN INDEPENDENCE KY 410518323, INDEPENDENCE, KY 41051-8323 |
| Document Number | 0000000230 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 0I4340/000112 |
| Instrument | 230 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Oct 6, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 1, 2019 |
| Property Address | 5396 MIDNIGHT RUN, INDEPENDENCE, KY 41051-8323 |
| Document Number | 0000000232 |
| Book / Page | 0I4285 / 000305 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 232 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Tax | $38.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10707 CLEARLAKE WAY INDEPENDENCE KY 410517006, INDEPENDENCE, KY 41051-7006 |
The 2025 property tax bill for 5396 Midnight Run was $3,512.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $302,000 (-) Land $45,000 Building $257,000 | $302,000 (-) Land $45,000 Building $257,000 | |
| 2025 | $3,512.00 | $302,000 Land $45,000 Building $257,000 | $302,000 Land $45,000 Building $257,000 |
| 2023 | $3,811.00 | $302,000 Land $38,000 Building $264,000 | $302,000 Land $38,000 Building $264,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5396 Midnight Run in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 5396 Midnight Run 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 107 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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