Kenton County property record for 741 Stephens Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,800 sqft · built 1995 |
| Lot Size | 2 acres (87,251 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,000 (Jul 1994) |
| Tax Bill | $3,615 (2025) |
| Deeds & Mortgages | Jul 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-00-050.05 |
| Primary APN | 047-00-00-050.05 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,800 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 87,251 sqft (2 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 741 STEPHENS RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9296 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEN-ER SEC 2 LOT 3 2.0033 AC WS STEPHENS RD |
| Legal Subdivision | KEN-ER SUBD |
| Legal Phase | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 63606 |
741 Stephens Rd is owned and occupied by two individuals who bought it in July 1994.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 741 STEPHENS RD, INDEPENDENCE, KY 41051-9296 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 1994 · Amount on File |
| Deed Sale | Jul 15, 1994 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 741 STEPHENS RD, INDEPENDENCE, KY 41051-9296 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 741 STEPHENS RD, INDEPENDENCE, KY 41051-9296 |
| Document Number | 0005900042 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 239/929 |
| Instrument | 21070905900042 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jun 10, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 741 Stephens Rd was $3,615 with a homeowner's exemption.
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 | $360,000 (-) Land $40,000 Building $320,000 | $360,000 (-) Land $40,000 Building $320,000 | |
| 2025 | $3,615.00 Homeowner's exemption | $360,000 Land $40,000 Building $320,000 | $360,000 Land $40,000 Building $320,000 |
| 2023 | $2,973.00 Homeowner's exemption | $282,000 Land $40,000 Building $242,000 | $282,000 Land $40,000 Building $242,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 741 Stephens Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 741 Stephens Rd 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 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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