Kenton County property record for 644 Willow Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,166 sqft · built 1960 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $112,000 (Mar 2019) |
| Tax Bill | $2,292 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-30-00-017.00 |
| Primary APN | 061-30-00-017.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,166 sqft Finished Area |
| Gross Area | 1,406 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 16,988 sqft (0.39 acres) |
| Lot Dimensions | 238 ft deep x 75 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 644 WILLOW DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9397 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLANTATION HGTS SEC 2 LOT 50 & 25' 51 |
| Legal Subdivision | PLANTATION HGTS |
| Legal Phase | 2 |
| Legal Lot Number | 50,51 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 65800 |
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 | 644 WILLOW DR, INDEPENDENCE, KY 41051-9397 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Nov 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COVE FCU |
| Mar 1, 2019 | Warranty Deed, Transfer 1ST SIGNATURE LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2019 · Amount on Record |
| Deed Sale | Mar 1, 2019 · Amount on Record |
| Prior Sale | May 5, 2003 · Amount on Record |
| Deed Document Number | 201903 01 059 00198 |
| Deed Book / Page | 4231 / 266 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 1, 2026 |
| Property Address | 644 WILLOW DR, INDEPENDENCE, KY 41051-9397 |
| Document Number | 0000008784 |
| Book / Page | 422 / 348 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20268784 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 644 WILLOW DR, INDEPENDENCE, KY 41051-9397 |
| Document Number | 0000008784, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 422/348 |
| Instrument | 20268784 |
| Name | COASTAL COMMUNITY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 644 WILLOW DR, INDEPENDENCE, KY 41051-9397 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900140 |
|---|---|
| Date | Nov 1, 2021 |
| Book Page | 294/75 |
| Instrument | 21110105900140 |
| Name | COVE FCU |
|---|---|
| Type | Credit Union |
| Address | FT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Nov 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 4.62% |
| Index | 1-Year CMT |
| Max Rate | 8.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 1, 2019 |
| Property Address | 644 WILLOW DR, INDEPENDENCE, KY 41051-9397 |
| Document Number | 0000000198 |
| Book / Page | 0I4231 / 000266 |
| Instrument Date | Feb 22, 2019 |
| Instrument | 198 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2019 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $112.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 644 WILLOW DR INDEPENDENCE KY 410519397, INDEPENDENCE, KY 41051-9397 |
| Document Number | 199 |
|---|---|
| Date | Mar 1, 2019 |
| Book Page | 0I4231/000269 |
| Instrument | 199 |
| Name | 1ST SIGNATURE LNDG |
|---|---|
| Address | INDIANAPOLIS, IN 46256 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 28, 2049 |
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 | $197,100 (-) Land $30,000 Building $167,100 | $197,100 (-) Land $30,000 Building $167,100 | |
| 2025 | $2,292.00 (+62.21%) | $197,100 (+75.98%) Land $30,000 Building $167,100 | $197,100 (+75.98%) Land $30,000 Building $167,100 |
| 2023 | $1,413.00 | $112,000 Land $25,000 Building $87,000 | $112,000 Land $25,000 Building $87,000 |
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 | 2 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 188 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 |
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