Kenton County property record for 716 Bear Ct, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,680 sqft · built 2000 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $299,500 (Jun 2023) |
| Tax Bill | $3,483 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Mar 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-10-01-004.00 |
| Primary APN | 061-10-01-004.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,680 sqft Finished Area |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 716 BEAR CT |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-7535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRADLEIGH WOODS SEC 1 LOT 4 |
| Legal Subdivision | BRADLEIGH WOODS |
| Legal Phase | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 65800 |
716 Bear Ct is owned and occupied by two individuals who bought it in June 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 716 BEAR CT, INDEPENDENCE, KY 41051-7535 |
| 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.
| Date | Document |
|---|---|
| Jun 9, 2023 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Jun 29, 2020 | Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS |
| Feb 27, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2023 · Amount on File |
| Deed Sale | Jun 9, 2023 · Amount on File |
| Prior Sale | Jun 29, 2020 · Amount on File |
| Deed Document Number | 202373 |
| Deed Book / Page | 230 / 229 |
| Prior Transfer Date | Jul 27, 2004 |
| Prior Transfer Doc | 0I13910269 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 9, 2023 |
| Property Address | 716 BEAR CT, INDEPENDENCE, KY 41051-7535 |
| Document Number | 0005900073 |
| Book / Page | KC 230 / 229 |
| Map Reference | PL A-336 |
| Instrument Date | Jun 7, 2023 |
| Instrument | 23060905900073 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1335 MEADOWCREST CIR, INDEPENDENCE, KY 41051-2536 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 716 BEAR CT, INDEPENDENCE, KY 41051-7535 |
| Document Number | 0005900074 |
|---|---|
| Date | Jun 9, 2023 |
| Book Page | KCM 467/949 |
| Instrument | 23060905900074 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 716 BEAR CT, INDEPENDENCE, KY 41051-7535 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 716 BEAR CT, INDEPENDENCE, KY 41051-7535 |
| Document Number | 0005900157 |
|---|---|
| Date | Mar 7, 2023 |
| Book Page | KCM 444/822 |
| Instrument | 23030705900157 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Mar 1, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.25% |
| Index | 1-Year T-Bill |
| Max Rate | 11.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 29, 2020 |
| Property Address | 716 BEAR CT, INDEPENDENCE, KY 41051-7535 |
| Document Number | 0000000057 |
| Book / Page | 000028 / 000796 |
| Instrument Date | Jun 5, 2020 |
| Instrument | 57 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2020 |
| Title Company | COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 716 BEAR CT INDEPENDENCE KY 410517535, INDEPENDENCE, KY 41051-7535 |
| Document Number | 58 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 000M63/000555 |
| Instrument | 58 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 28, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 716 BEAR CT, INDEPENDENCE, KY 41051-7535 |
| Document Number | 0000000140 |
| Instrument Date | Feb 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2019 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 716 BEAR CT INDEPENDENCE KY 410517535, INDEPENDENCE, KY 41051-7535 |
| Document Number | 0000000140 |
|---|---|
| Date | Mar 20, 2019 |
| Book Page | 0I4239/000318 |
| Instrument | 140 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 19, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 716 Bear Ct was $3,483.
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 | $299,500 (-) Land $45,000 Building $254,500 | $299,500 (-) Land $45,000 Building $254,500 | |
| 2025 | $3,483.00 | $299,500 Land $45,000 Building $254,500 | $299,500 Land $45,000 Building $254,500 |
| 2023 | $2,775.00 | $219,900 Land $35,000 Building $184,900 | $219,900 Land $35,000 Building $184,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 716 Bear Ct 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 risk around 716 Bear Ct 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.
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 128 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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