6401 Sugar Tree Dr, Independence, KY 41051 Property Records

Kenton County property record for 6401 Sugar Tree Dr, Independence, KY 41051 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 2020
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$246,060 (Dec 2020)
Tax Bill	$2,860 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`060-20-00-086.01`

Property Details

APN / Parcel Number

Primary APN	`060-20-00-086.01`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stone
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	6401 SUGAR TREE DR
City	INDEPENDENCE
State	KY
Zip	41051-9339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLANTATION HGTS PT LOTS 35-36 0.5000 ACS WS SUGAR TREE DR AT MILLS RD
Legal Subdivision	PLANTATION HGTS
Legal Lot Number	35,36
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2012
Census Tract	65800

Owner

Source: Kenton County records · APN 060-20-00-086.01

Assessment roll updated December 2, 2025 · Last verified June 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 File
Mailing Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Line of Credit CINFED FEDERAL CREDIT UNION
Sep 30, 2025	Deed of Trust, Mortgage CINFED CU
Dec 28, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HUNTINGTON NAT'L BK
May 19, 2020	Grant Deed, Transfer ATTORNEY ONLY
Jan 08, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 28, 2020 · Amount on Record
Deed Sale	Dec 28, 2020 · Amount on Record
Prior Sale	May 19, 2020 · Amount on Record
Deed Document Number	20205900209
Deed Book / Page	62 / 747
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 19, 2026
Property Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339
Document Number	0000010383
Book / Page	433 / 853
Instrument Date	May 11, 2026
Instrument	202610383
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339
Investor	Possibly a Property Investor

Mortgage

Document Number	0000010383,
Date	May 19, 2026
Book Page	433/853
Instrument	202610383

Lender

Name	CINFED FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 25, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339
Transaction Type	Mortgage
Record Updated	Oct 22, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339

Mortgage

Document Number	0005900182
Date	Sep 30, 2025
Book Page	KCM 691/852
Instrument	25093005900182

Lender

Name	CINFED CU
Type	Credit Union
Address	ATWATER, MN 56209

Agreement

Amount	Amount Recorded
Term	73 Months
Due	Oct 03, 2031

December 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 28, 2020
Property Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339
Document Number	0000000209
Book / Page	000062 / 000747
Instrument Date	Dec 21, 2020
Instrument	209
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 21, 2021
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$246.00
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	6401 SUGAR TREE LN INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051

Mortgage

Document Number	210
Date	Dec 28, 2020
Book Page	00M146/000424
Instrument	210

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 19, 2020
Property Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339
Document Number	0000000177
Book / Page	000022 / 000046
Instrument Date	May 18, 2020
Instrument	177
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15559 VIOLET RD CRITTENDEN KY 410309638, CRITTENDEN, KY 41030-9638

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 08, 2020
Property Address	6401 SUGAR TREE DR, INDEPENDENCE, KY 41051-9339
Document Number	0000000112
Book / Page	000001 / 000536
Instrument Date	Jan 04, 2020
Instrument	112
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1818 WILLOW BROOK CT UNION KY 410919584, UNION, KY 41091-9584

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026

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

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	$2,860.00 (-7.86%)	$246,000 (-) Land $40,000 Building $206,000	$246,000 (-) Land $40,000 Building $206,000
2023	$3,104.00	$246,000 Land $40,000 Building $206,000	$246,000 Land $40,000 Building $206,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170658002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 188 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

6401 Sugar Tree Dr, Independence, KY 41051 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

May 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2025: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2020: Warranty Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Nearby Properties on Sugar Tree Dr

Nearby Streets

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