Kenton County property record for 745 Stablewatch Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,130 sqft · built 2000 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $363,000 (Oct 2025) |
| Tax Bill | $3,543 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-00-02-020.00 |
| Primary APN | 060-00-02-020.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,130 sqft Finished Area |
| Gross Area | 2,898 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 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 | 745 STABLEWATCH DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAIBORNE SEC 2 LOT 20 |
| Legal Subdivision | CLAIBORNE |
| Legal Phase | 2 |
| Legal Lot Number | 20 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 66802 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 5175 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9216 |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 22, 2025 | Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE CO |
| Apr 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Nov 27, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 22, 2025 · Amount on Record |
| Deed Sale | Oct 22, 2025 · Amount on Record |
| Prior Sale | Nov 27, 2019 · Amount on Record |
| Deed Document Number | 20257 |
| Deed Book / Page | 370 / 248 |
| Prior Transfer Date | Oct 15, 2019 |
| Prior Transfer Doc | 0000000101 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 745 STABLEWATCH DR, INDEPENDENCE, KY 41051-8334 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0005900207 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 340/375 |
| Instrument | 22022205900207 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 22, 2025 |
| Property Address | 745 STABLEWATCH DR, INDEPENDENCE, KY 41051-8334 |
| Document Number | 0005900007 |
| Book / Page | KC 370 / 248 |
| Map Reference | SL A353 |
| Instrument Date | Oct 21, 2025 |
| Instrument | 25102205900007 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | PERENNIAL TITLE, PERPETUAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 745 STABLEWATCH DR, INDEPENDENCE, KY 41051-8334 |
| Name | Verified Name |
|---|---|
| Address | 5175 CHRISTOPHER DR, INDEPENDENCE, KY 41051-9216 |
| Document Number | 0005900008 |
|---|---|
| Date | Oct 22, 2025 |
| Instrument | 25102205900008 |
| Name | TOWNE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 745 STABLEWATCH DR, INDEPENDENCE, KY 41051-8334 |
| Document Number | 0000000138 |
| Instrument Date | Apr 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2020 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 745 STABLEWATCH DR INDEPENDENCE KY 410518334, INDEPENDENCE, KY 41051-8334 |
| Document Number | 0000000138 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 000042/000280 |
| Instrument | 138 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 7, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 27, 2019 |
| Property Address | 745 STABLEWATCH DR, INDEPENDENCE, KY 41051-8334 |
| Document Number | 0000000101 |
| Book / Page | 0I4368 / 000308 |
| Instrument Date | Oct 15, 2019 |
| Instrument | 101 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 745 STABLEWATCH DR INDEPENDENCE KY 410518334, INDEPENDENCE, KY 41051-8334 |
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 | $363,000 (+19.13%) Land $50,000 Building $313,000 | $363,000 (+19.13%) Land $50,000 Building $313,000 | |
| 2025 | $3,543.00 (+11.91%) | $304,700 (+17.87%) Land $50,000 Building $254,700 | $304,700 (+17.87%) Land $50,000 Building $254,700 |
| 2024 | $3,166.00 (-2.94%) | $258,500 (-) Land $40,000 Building $218,500 | $258,500 (-) Land $40,000 Building $218,500 |
| 2023 | $3,262.00 | $258,500 Land $40,000 Building $218,500 | $258,500 Land $40,000 Building $218,500 |
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 | 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.
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 345 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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