Kenton County property record for 830 Stephens Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,215 sqft · built 1986 |
| Lot Size | 9.65 acres (420,354 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $330,000 (Oct 2003) |
| Tax Bill | $4,768 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Oct 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-00-053.00 |
| Primary APN | 047-00-00-053.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,215 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 420,354 sqft (9.65 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 830 STEPHENS RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHELL COUNTRY EST SEC 1 LOT 1 9.65 ACS NES STEPHENS RD |
| Legal Subdivision | SCHELL COUNTRY ESTATES |
| Legal Phase | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 65800 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 830 STEPHENS RD, INDEPENDENCE, KY 41051-9232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 7, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST FINANCIAL BANK |
| Oct 21, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Sep 4, 2020 | Deed of Trust, Mortgage · Line of Credit UNION SVGS |
| Jul 8, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Oct 6, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST FIN'L BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2003 · Amount on Record |
| Deed Sale | Oct 2, 2003 · Amount on Record |
| Deed Document Number | 200310 02 059 00406 |
| Deed Book / Page | 1143 / 201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 830 STEPHENS RD, INDEPENDENCE, KY 41051-9232 |
| Transaction Type | Mortgage |
| Record Updated | Jun 20, 2022 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0005900152 |
|---|---|
| Date | Jun 7, 2022 |
| Book Page | 377/375 |
| Instrument | 22060705900152 |
| Name | FIRST FINANCIAL BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45246 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 299 Months |
| Due | May 10, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 830 STEPHENS RD, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000244 |
| Instrument Date | Oct 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 830 STEPHENS RD INDEPENDENCE KY 410519232, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000244 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 00M121/000049 |
| Instrument | 244 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 4, 2045 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 830 STEPHENS RD, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000056 |
| Instrument Date | Sep 4, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 830 STEPHENS RD INDEPENDENCE KY 410519232, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000056 |
|---|---|
| Date | Sep 14, 2020 |
| Book Page | 000M97/000334 |
| Instrument | 56 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 13, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 830 STEPHENS RD, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000219 |
| Instrument Date | Jul 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2019 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 830 STEPHENS RD INDEPENDENCE KY 410519232, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000219 |
|---|---|
| Date | Sep 3, 2019 |
| Book Page | 0I4321/000240 |
| Instrument | 219 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 2, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 830 STEPHENS RD, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000239 |
| Book / Page | 0I4020 / 000134 |
| Instrument Date | Oct 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 830 STEPHENS RD INDEPENDENCE KY 410519232, INDEPENDENCE, KY 41051-9232 |
| Document Number | 0000000239 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 0I4020/000134 |
| Instrument | 239 |
| Name | FIRST FIN'L BK&TR |
|---|---|
| Type | Funding / Finance Company |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 29, 2037 |
| Rate Type | Adjustable Rate |
|---|
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 | $410,000 (-) Land $100,000 Building $310,000 | $410,000 (-) Land $100,000 Building $310,000 | |
| 2025 | $4,768.00 (-7.85%) | $410,000 (-) Land $100,000 Building $310,000 | $410,000 (-) Land $100,000 Building $310,000 |
| 2023 | $5,174.00 | $410,000 Land $100,000 Building $310,000 | $410,000 Land $100,000 Building $310,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 47 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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