Kenton County property record for 709 Stephens Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,563 sqft · built 1985 |
| Lot Size | 1.72 acres (74,967 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Jan 2018) |
| Tax Bill | $2,767 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Jan 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-00-046.00 |
| Primary APN | 047-00-00-046.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,563 sqft Finished Area |
| Gross Area | 1,800 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 74,967 sqft (1.72 acres) |
| Lot Dimensions | 613 ft deep x 123 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 709 STEPHENS RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9296 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.721 ACS SWS STEPHENS RD INT WITH TAYLOR MILL RD 123X613.76' |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 63606 |
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 | 709 STEPHENS RD, INDEPENDENCE, KY 41051-9296 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK |
| Jan 4, 2018 | Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2018 · Amount on Record |
| Deed Sale | Jan 4, 2018 · Amount on Record |
| Prior Sale | Oct 26, 2011 · Amount on Record |
| Deed Document Number | 201801 04 059 00145 |
| Deed Book / Page | 4050 / 263 |
| Prior Transfer Date | Dec 16, 2004 |
| Prior Transfer Doc | 1229059002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 709 STEPHENS RD, INDEPENDENCE, KY 41051-9296 |
| Document Number | 0000000056 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 709 STEPHENS RD INDEPENDENCE KY 410519296, INDEPENDENCE, KY 41051-9296 |
| Document Number | 0000000056 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 00M139/000305 |
| Instrument | 56 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 10, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 4, 2018 |
| Property Address | 709 STEPHENS RD, INDEPENDENCE, KY 41051-9296 |
| Document Number | 0000000145 |
| Book / Page | 0I4050 / 000263 |
| Instrument Date | Jan 3, 2018 |
| Instrument | 145 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2018 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 709 STEPHENS RD INDEPENDENCE KY 410519296, INDEPENDENCE, KY 41051-9296 |
| Document Number | 149 |
|---|---|
| Date | Jan 4, 2018 |
| Book Page | 004050/000266 |
| Instrument | 149 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 3, 2048 |
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 | $238,000 (-) Land $30,000 Building $208,000 | $238,000 (-) Land $30,000 Building $208,000 | |
| 2025 | $2,767.00 (+4.42%) | $238,000 (+13.33%) Land $30,000 Building $208,000 | $238,000 (+13.33%) Land $30,000 Building $208,000 |
| 2023 | $2,650.00 | $210,000 Land $20,000 Building $190,000 | $210,000 Land $20,000 Building $190,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 26 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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