Kenton County property record for 845 Bristow Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2024 |
| Lot Size | 1.94 acres (84,506 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $6,163 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jun 2024 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-00-00-024.00 |
| Primary APN | 018-00-00-024.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 84,506 sqft (1.94 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|
| Street Address | 845 BRISTOW RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9695 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLIAMSBURG SOUTH SEC 1 PT LOT 1 1.94 ACS WS BRISTOW RD LESS PARCEL TO R,W |
| Legal Subdivision | WILLIAMSBURG SOUTH |
| Legal Phase | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 63604 |
845 Bristow Rd is owned and occupied by two individuals who acquired it in June 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 845 BRISTOW RD, INDEPENDENCE, KY 41051-9695 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 10, 2025 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK INC |
| Jun 13, 2024 | Intrafamily Transfer, Transfer · Construction Mortgage HERITAGE BANK INC |
| Oct 23, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 11, 2024 |
| Transfer Doc | 0005900076 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 845 BRISTOW RD, INDEPENDENCE, KY 41051-9695 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2026 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 845 BRISTOW RD, INDEPENDENCE, KY 41051-9695 |
| Document Number | 0005900182 |
|---|---|
| Date | Dec 10, 2025 |
| Book Page | KCM 715/794 |
| Instrument | 25121005900182 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 13.2% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 13, 2024 |
| Property Address | 845 BRISTOW RD, INDEPENDENCE, KY 41051-9695 |
| Document Number | 0005900076 |
| Book / Page | KC 289 / 194 |
| Map Reference | MB 19 PG 24 |
| Instrument Date | Jun 11, 2024 |
| Instrument | 24061305900076 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Document Number | 0005900077 |
|---|---|
| Date | Jun 13, 2024 |
| Instrument | 24061305900077 |
| Name | HERITAGE BANK INC |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 18 Months |
| Due | Dec 11, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 845 BRISTOW RD, INDEPENDENCE, KY 41051-9695 |
| Document Number | 0000000008 |
| Instrument Date | Oct 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 853 BRISTOW RD INDEPENDENCE KY 410519695, INDEPENDENCE, KY 41051-9695 |
| Document Number | 0000000008 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | ORI418/000245 |
| Instrument | 8 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | UNION, KY 41091 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | Nov 15, 2021 |
The 2025 property tax bill for 845 Bristow Rd was $6,163.
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 | $530,000 (-) Land $40,000 Building $490,000 | $530,000 (-) Land $40,000 Building $490,000 | |
| 2025 | $6,163.00 | $530,000 Land $40,000 Building $490,000 | $530,000 Land $40,000 Building $490,000 |
| 2023 | $504.00 | $40,000 Land $40,000 | $40,000 Land $40,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 845 Bristow Rd 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 845 Bristow Rd 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 | 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 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
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