751 Stephens Rd, Independence, KY 41051 Property Records

Kenton County property record for 751 Stephens Rd, Independence, KY 41051 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,830 sqft · built 1987
Lot Size	2.62 acres (114,389 sqft)
Owner	Individual Name on File
Last Sale	$12,500 (Nov 2023)
Tax Bill	$3,470 (2025)
Deeds & Mortgages	Nov 2023 Sale Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`047-00-00-049.00`

Property Details

APN / Parcel Number

Primary APN	`047-00-00-049.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,830 sqft Finished Area
Gross Area	2,857 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Exterior Material	Stone
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	114,389 sqft (2.62 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0470000049.00
Street Address	751 STEPHENS RD
City	INDEPENDENCE
State	KY
Zip	41051-9296
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.626 ACS SWS STEPHENS RD NW TAYLOR MILL RD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2002
Census Tract	63606

Owner

Source: Kenton County records · APN 047-00-00-049.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	751 STEPHENS RD, INDEPENDENCE, KY 41051-9296
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 01, 2023	Deed, Transfer
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 01, 2023 · Amount on Record
Deed Sale	Nov 01, 2023 · Amount on Record
Prior Sale	Aug 18, 2014 · Amount on Record
Deed Document Number	23110105900139
Deed Book / Page	KC 255 / 195
Record Updated	Jun 08, 2026

November 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Nov 01, 2023
Property Address	751 STEPHENS RD, INDEPENDENCE, KY 41051-9296
Document Number	0005900139
Book / Page	KC 255 / 195
Instrument Date	Oct 26, 2023
Instrument	23110105900139
Transaction Type	Transfer
Record Updated	Jan 05, 2024

Transaction

Amount	Amount Recorded
Tax	$12.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3531 FINNELL CT, INDEPENDENCE, KY 41051-7541

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	751 STEPHENS RD, INDEPENDENCE, KY 41051-9296

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	751 STEPHENS RD, INDEPENDENCE, KY 41051-9296
Document Number	0000000149
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	751 STEPHENS RD INDEPENDENCE KY 410519296, INDEPENDENCE, KY 41051-9296

Mortgage

Document Number	0000000149
Date	Nov 30, 2020
Book Page	00M132/000861
Instrument	149

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 29, 2035

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,470.00 (+0.58%)	$298,400 (+9.14%) Land $65,000 Building $233,400	$298,400 (+9.14%) Land $65,000 Building $233,400
2023	$3,450.00	$273,400 Land $40,000 Building $233,400	$273,400 Land $40,000 Building $233,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 26 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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