Kenton County property record for 55 Fleming Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,008 sqft · built 1974 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Mar 2022) |
| Tax Bill | $2,151 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-30-01-020.00 |
| Primary APN | 032-30-01-020.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,008 sqft Finished Area |
| Gross Area | 1,368 sqft |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 55 FLEMING DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST ACRES LOT 50 0.28 ACS SS FLEMING DR |
| Legal Subdivision | HILLCREST ACRES |
| Legal Lot Number | 50 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 63610 |
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 | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage GUARDIAN SAVINGS BANK |
| May 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BK |
| Feb 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on Record |
| Deed Sale | Mar 1, 2022 · Amount on Record |
| Prior Sale | May 24, 1996 · Amount on Record |
| Deed Document Number | 2022227 |
| Deed Book / Page | 150 / 839 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 1, 2022 |
| Property Address | 55 FLEMING DR, INDEPENDENCE, KY 41051-8515 |
| Document Number | 0005900227 |
| Book / Page | 150 / 839 |
| Map Reference | MB 11 PG 6 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 22030105900227 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 55 FLEMING DR, INDEPENDENCE, KY 41051-8515 |
| Name | Verified Name |
|---|---|
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900015 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 22030305900015 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 55 FLEMING DR, INDEPENDENCE, KY 41051-8515 |
| Document Number | 0000000051 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 55 FLEMING DR INDEPENDENCE KY 410518515, INDEPENDENCE, KY 41051-8515 |
| Document Number | 0000000051 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 000M49/000581 |
| Instrument | 51 |
| Name | HEARTLAND BK |
|---|---|
| Type | Bank |
| Address | WHITEHALL, OH 43213 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 28, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 55 FLEMING DR, INDEPENDENCE, KY 41051-8515 |
| Document Number | 0000000169 |
| Book / Page | 0I3897 / 000095 |
| Instrument Date | Feb 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2017 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 55 FLEMING DR INDEPENDENCE KY 410518515, INDEPENDENCE, KY 41051-8515 |
| Document Number | 0000000169 |
|---|---|
| Date | Feb 13, 2017 |
| Book Page | 0I3897/000095 |
| Instrument | 169 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 12, 2022 |
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 | $185,000 (-) Land $40,000 Building $145,000 | $185,000 (-) Land $40,000 Building $145,000 | |
| 2025 | $2,151.00 (-7.84%) | $185,000 (-) Land $40,000 Building $145,000 | $185,000 (-) Land $40,000 Building $145,000 |
| 2023 | $2,334.00 | $185,000 Land $30,000 Building $155,000 | $185,000 Land $30,000 Building $155,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 141 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 |
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