676 Sycamore Dr, Independence, KY 41051 Property Records

Kenton County property record for 676 Sycamore Dr, Independence, KY 41051

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,848 sqft · built 1971
Lot Size	4.03 acres (175,547 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Apr 2023)
Tax Bill	$2,907 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-20-00-078.00`

Property Details

APN / Parcel Number

Primary APN	`060-20-00-078.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,848 sqft Finished Area
Gross Area	2,472 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	175,547 sqft (4.03 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Connected

Location & Zoning

Street Address	676 SYCAMORE DR
City	INDEPENDENCE
State	KY
Zip	41051-9395
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PLANTATION HGTS LOT 188 & 195 THRU 198 4.03 ACS NS SYCAMORE DR
Legal Subdivision	PLANTATION HGTS
Legal Phase	8
Legal Tract	188
Legal Lot Number	195-1
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2011
Census Tract	65800

Owner

676 Sycamore Dr, a duplex, is owned and occupied by two individuals who bought it in April 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	676 SYCAMORE DR, INDEPENDENCE, KY 41051-9395
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	Apr 24, 2023 · Amount on File
Deed Sale	Apr 24, 2023 · Amount on File
Prior Sale	Nov 27, 1996 · Amount on File
Deed Document Number	202365
Deed Book / Page	223 / 414
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 24, 2023
Property Address	676 SYCAMORE DR, INDEPENDENCE, KY 41051-9395
Document Number	0005900065
Book / Page	KC 223 / 414
Instrument Date	Apr 14, 2023
Instrument	23042405900065
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	PROTITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	676 SYCAMORE DR, INDEPENDENCE, KY 41051-9395

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	676 SYCAMORE DR, INDEPENDENCE, KY 41051-9395

Mortgage

Document Number	0005900066
Date	Apr 24, 2023
Book Page	KCM 455/812
Instrument	23042405900066

Lender

Name	CINFED CU
Type	Credit Union
Address	CINCINNATI, OH 45209

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	May 1, 2030
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	12.1%
Index	1-Year T-Bill
Margin	4
Max Rate	12.1%

Tax Assessment & Valuation

The 2025 property tax bill for 676 Sycamore Dr was $2,907.

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		$250,000 (-) Land $40,000 Building $210,000	$250,000 (-) Land $40,000 Building $210,000
2025	$2,907.00	$250,000 Land $40,000 Building $210,000	$250,000 Land $40,000 Building $210,000
2023	$2,127.00 Homeowner's exemption	$215,000 Land $40,000 Building $175,000	$215,000 Land $40,000 Building $175,000

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

Flood

FEMA maps place 676 Sycamore 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	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.

Wildfire

Wildfire risk around 676 Sycamore 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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