55 Oby Dr, Independence, KY 41051 Property Records

Kenton County property record for 55 Oby Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1987
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Jun 2019)
Tax Bill	$2,836 (2025)
Deeds & Mortgages	Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034-30-01-066.00`

Property Details

APN / Parcel Number

Primary APN	`034-30-01-066.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,300 sqft Finished Area
Gross Area	1,492 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	55 OBY DR
City	INDEPENDENCE
State	KY
Zip	41051-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FREEDOM PARK SEC 2 LOT 22 0.26 ACS SWC OBY DR
Legal Subdivision	FREEDOM PARK
Legal Phase	2
Legal Lot Number	22
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3021
Census Tract	63609

Owner

55 Oby Dr is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	55 OBY DR, INDEPENDENCE, KY 41051-9603
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2019 · Amount on File
Deed Sale	Jun 3, 2019 · Amount on File
Prior Sale	Sep 2, 1997 · Amount on File
Deed Document Number	201906 03 059 00007
Deed Book / Page	4271 / 1
Record Updated	Oct 29, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 3, 2019
Property Address	55 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0000000007
Book / Page	0I4271 / 000001
Instrument Date	Apr 17, 2019
Instrument	7
Transaction Type	Transfer
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
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	55 OBY DR INDEPENDENCE KY 410519603, INDEPENDENCE, KY 41051-9603

Mortgage

Document Number	8
Date	Jun 3, 2019
Book Page	0I4271/000005
Instrument	8

Lender

Name	MID AMERICA MTG
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 55 Oby Dr was $2,836.

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		$243,900 (-) Land $50,000 Building $193,900	$243,900 (-) Land $50,000 Building $193,900
2025	$2,836.00	$243,900 Land $50,000 Building $193,900	$243,900 Land $50,000 Building $193,900
2023	$2,208.00	$175,000 Land $40,000 Building $135,000	$175,000 Land $40,000 Building $135,000

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

Flood

FEMA maps place 55 Oby 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	1 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 55 Oby 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	Direct burnable vegetation

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 129 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20