Kenton County property record for 545 Upton Dr, Independence, KY 41051 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · built 2020 |
| Lot Size | 5.73 acres (250,034 sqft) |
| Owner | Individual Name on File |
| Last Sale | $73,750 (Jan 2020) |
| Tax Bill | $4,695 (2025) |
| Deeds & Mortgages | Mar 2021 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-00-00-081.00 |
| Primary APN | 032-00-00-081.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Concrete |
| Lot Area | 250,034 sqft (5.73 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Geothermal |
| Heating Fuel | Electric |
| Old Parcel Number | 0320000081.00 |
|---|---|
| Street Address | 545 UPTON DR |
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8728 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | UPTONS LAND DIV LOT 2 5.74 ACS NWS UPTON DR |
| Legal Subdivision | UPTONS (WM) LAND DIV (CODY RD) |
| Legal Lot Number | 2 5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 63610 |
Source: Kenton County records · APN 032-00-00-081.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 545 UPTON DR, INDEPENDENCE, KY 41051-8728 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Feb 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jan 06, 2020 | Warranty Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 06, 2020 · Amount on Record |
| Deed Sale | Jan 06, 2020 · Amount on Record |
| Deed Document Number | 20010605900273 |
| Deed Book / Page | KC 1 / 156 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 545 UPTON DR, INDEPENDENCE, KY 41051-8728 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 545 UPTON DR, INDEPENDENCE, KY 41051-8728 |
| Document Number | 0005900017 |
|---|---|
| Date | Mar 24, 2021 |
| Book Page | 188/694 |
| Instrument | 21032405900017 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 04, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 545 UPTON DR, INDEPENDENCE, KY 41051-8728 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0005900022 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 170/643 |
| Instrument | 21022205900022 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 01, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 06, 2020 |
| Property Address | 545 UPTON DR, INDEPENDENCE, KY 41051-8728 |
| Document Number | 0000000273 |
| Book / Page | 000001 / 000156 |
| Instrument Date | Dec 31, 2019 |
| Instrument | 273 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $74.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2153 GOLDEN VALLEY DR INDEPENDENCE KY 410517424, INDEPENDENCE, KY 41051-7424 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,695.00 (-7.83%) | $403,700 (-) Land $65,000 Building $338,700 | $403,700 (-) Land $65,000 Building $338,700 |
| 2023 | $5,094.00 (+22.95%) | $403,700 (+24.71%) Land $73,700 Building $330,000 | $403,700 (+24.71%) Land $73,700 Building $330,000 |
| 2022 | $4,143.00 | $323,700 Land $73,700 Building $250,000 | $323,700 Land $73,700 Building $250,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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