Kenton County property record for 818 Ginmill Ct, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,044 sqft · built 2005 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Jul 2021) |
| Tax Bill | $3,445 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Jul 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-00-02-113.00 |
| Primary APN | 060-00-02-113.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,044 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 128 ft deep x 82 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 818 GINMILL CT |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAIBORNE SEC 10 LOT 113 |
| Legal Subdivision | CLAIBORNE |
| Legal Phase | 10 |
| Legal Lot Number | 113 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66802 |
818 Ginmill Ct is owned and occupied by two individuals who bought it in July 2021.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 818 GINMILL CT, INDEPENDENCE, KY 41051-8398 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Jul 28, 2020 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jul 28, 2020 | Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2021 · Amount on File |
| Deed Sale | Jul 20, 2021 · Amount on File |
| Prior Sale | Jul 28, 2020 · Amount on File |
| Deed Document Number | 202107209 |
| Deed Book / Page | 104 / 654 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 818 GINMILL CT, INDEPENDENCE, KY 41051-8398 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900010 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 244/39 |
| Instrument | 21072005900010 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 28, 2020 |
| Property Address | 818 GINMILL CT, INDEPENDENCE, KY 41051-8398 |
| Document Number | 0005900096 |
| Book / Page | KC 33 / 900 |
| Map Reference | SL A-609 OR 1-136 |
| Instrument Date | Jul 22, 2020 |
| Instrument | 20072805900096 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3898 SHERBOURNE DR, 3898, INDEPENDENCE, KY 41051-7586 |
| Name | Verified Name |
|---|---|
| Address | 818 GINMILL CT, INDEPENDENCE, KY 41051-8398 |
| Document Number | 0005900097 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 20072805900097 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 28, 2020 |
| Property Address | 818 GINMILL CT, INDEPENDENCE, KY 41051-8398 |
| Document Number | 0000000096 |
| Book / Page | 000033 / 000900 |
| Instrument Date | Jul 22, 2020 |
| Instrument | 96 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $297.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 818 GINMILL CT INDEPENDENCE KY 410518398, INDEPENDENCE, KY 41051-8398 |
| Document Number | 97 |
|---|---|
| Date | Jul 28, 2020 |
| Book Page | 000M74/000787 |
| Instrument | 97 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 27, 2050 |
The 2025 property tax bill for 818 Ginmill Ct was $3,445.
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 | $296,300 (-) Land $50,000 Building $246,300 | $296,300 (-) Land $50,000 Building $246,300 | |
| 2025 | $3,445.00 | $296,300 Land $50,000 Building $246,300 | $296,300 Land $50,000 Building $246,300 |
| 2023 | $3,722.00 | $295,000 Land $40,000 Building $255,000 | $295,000 Land $40,000 Building $255,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 818 Ginmill Ct 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 818 Ginmill 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 | 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 272 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 |
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