65 Oby Dr, Independence, KY 41051 Property Records

Kenton County property record for 65 Oby Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,368 sqft · built 1987
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Apr 2026)
Tax Bill	$3,256 (2025)
Deeds & Mortgages	Apr 2026 Sale Jan 2022 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`034-30-01-071.00`

Property Details

APN / Parcel Number

Primary APN	`034-30-01-071.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,368 sqft Finished Area
Gross Area	1,734 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 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	65 OBY DR
City	INDEPENDENCE
State	KY
Zip	41051-9603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FREEDOM PARK SEC 3 LOT 18E 0.39 ACS SS OBY DR
Legal Subdivision	FREEDOM PARK
Legal Phase	3
Legal Lot Number	18E
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3021
Census Tract	63609

Owner

65 Oby Dr is owned and occupied by two individuals who bought it in April 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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

Date	Document
Apr 22, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 24, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST EQUITY MORTGAGE INC
Apr 1, 2021	Intrafamily Transfer, Transfer
Jul 22, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION SVGS
Oct 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage US BK
Jun 19, 2017	Deed of Trust, Mortgage · VA Mortgage STOCKYARD BK&TR
Feb 17, 2017	Loan Modification, Mortgage · Conventional Mortgage BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on File
Deed Sale	Apr 22, 2026 · Amount on File
Prior Sale	Jan 24, 2022 · Amount on File
Deed Document Number	20267834
Deed Book / Page	416 / 549
Prior Transfer Date	Mar 30, 2021
Prior Transfer Doc	0000000053
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 22, 2026
Property Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0000007834
Book / Page	416 / 549
Instrument Date	Apr 10, 2026
Instrument	2026.7834
Transaction Type	Transfer
Record Updated	May 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$34,845.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	65 OBY DR, INDEPENDENCE, KY 41051-9603

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 24, 2022
Property Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0005900034
Book / Page	144 / 165
Map Reference	MB 21 PG 39
Instrument Date	Jan 21, 2022
Instrument	22012405900034
Transaction Type	Transfer
Record Updated	Feb 3, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65 OBY DR, 65, INDEPENDENCE, KY 41051-9603

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	65 OBY DR, INDEPENDENCE, KY 41051-9603

Mortgage

Document Number	0005900035
Date	Jan 24, 2022
Book Page	329/579
Instrument	22012405900035

Lender

Name	FIRST EQUITY MORTGAGE INC
Type	Mortgage Company
Address	FT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Apr 1, 2021
Property Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0005900053
Book / Page	81 / 596
Map Reference	MB 21 PG 39
Instrument Date	Mar 30, 2021
Instrument	21040105900053
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 OBY DR, INDEPENDENCE, KY 41051-9603

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0000000061
Instrument Date	Jul 22, 2020
Transaction Type	Mortgage
Record Updated	Sep 10, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 OBY DR INDEPENDENCE KY 410519603, INDEPENDENCE, KY 41051-9603

Mortgage

Document Number	0000000061
Date	Jul 31, 2020
Book Page	000076/000913
Instrument	61

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0000000221
Instrument Date	Oct 19, 2018
Transaction Type	Mortgage
Record Updated	Dec 3, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 OBY DR INDEPENDENCE KY 410519603, INDEPENDENCE, KY 41051-9603

Mortgage

Document Number	0000000221
Date	Nov 13, 2018
Book Page	0I4192/000147
Instrument	221

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 12, 2033

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0000000067
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Mar 19, 2018
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 OBY DR INDEPENDENCE KY 410519603, INDEPENDENCE, KY 41051-9603

Mortgage

Document Number	0000000067
Date	Jun 28, 2017
Book Page	0I3961/000132
Instrument	67

Lender

Name	STOCKYARD BK&TR
Type	Bank
Address	LOUISVILLE, KY 40206

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 27, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	65 OBY DR, INDEPENDENCE, KY 41051-9603
Document Number	0000000088
Book / Page	0I3929 / 000059
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 OBY DR INDEPENDENCE KY 410519603, INDEPENDENCE, KY 41051-9603

Mortgage

Document Number	0000000088
Date	Apr 24, 2017
Book Page	0I3929/000059
Instrument	88

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WINSTON-SALEM, NC 27101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 23, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 65 Oby Dr was $3,256.

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		$280,000 (-) Land $50,000 Building $230,000	$280,000 (-) Land $50,000 Building $230,000
2025	$3,256.00	$280,000 Land $50,000 Building $230,000	$280,000 Land $50,000 Building $230,000
2023	$2,195.00	$174,000 Land $40,000 Building $134,000	$174,000 Land $40,000 Building $134,000

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

Flood

FEMA maps place 65 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 65 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

65 Oby 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

April 2026: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

January 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

June 2017: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2017: Loan Modification, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Oby Dr

Nearby Streets

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