Kenton County property record for 774 Windmill Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,991 sqft · built 2005 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $500,000 (Jul 2026) |
| Tax Bill | $4,400 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-00-02-144.00 |
| Primary APN | 060-00-02-144.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,991 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 26,572 sqft (0.61 acres) |
| Lot Dimensions | 351 ft deep x 86 ft wide |
| 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 | 774 WINDMILL DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAIBORNE SEC 13 LOT 144 |
| Legal Subdivision | CLAIBORNE |
| Legal Phase | 13 |
| Legal Lot Number | 144 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66802 |
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 | 2356 ADDISON CT, YORK, PA 17404-9077 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Jul 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE |
| Jul 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2026 · Amount on Record |
| Deed Sale | Jul 30, 2026 · Amount on Record |
| Prior Sale | Nov 29, 2005 · Amount on Record |
| Deed Document Number | 202616611 |
| Deed Book / Page | 468 / 832 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 30, 2026 |
| Property Address | 774 WINDMILL DR, INDEPENDENCE, KY 41051-8419 |
| Document Number | 0000016611 |
| Book / Page | 468 / 832 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202616611 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $50,500.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 2356 ADDISON CT, YORK, PA 17404-9077 |
| Document Number | 0000016612, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 2026073016612 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 774 WINDMILL DR, INDEPENDENCE, KY 41051-8419 |
| Document Number | 0000000147 |
| Instrument Date | Jul 25, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 774 WINDMILL DR INDEPENDENCE KY 410518419, INDEPENDENCE, KY 41051-8419 |
| Document Number | 0000000147 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 000M87/000286 |
| Instrument | 147 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 23, 2030 |
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 | $378,400 (-) Land $50,000 Building $328,400 | $378,400 (-) Land $50,000 Building $328,400 | |
| 2025 | $4,400.00 (+18.73%) | $378,400 (+28.84%) Land $50,000 Building $328,400 | $378,400 (+28.84%) Land $50,000 Building $328,400 |
| 2023 | $3,706.00 | $293,700 Land $40,000 Building $253,700 | $293,700 Land $40,000 Building $253,700 |
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 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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