Kenton County property record for 86 Fleming Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,260 sqft · built 1992 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Jul 2019) |
| Tax Bill | $2,885 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-30-00-043.00 |
| Primary APN | 032-30-00-043.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 140 ft deep x 76 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0323000043.00 |
|---|---|
| Street Address | 86 FLEMING DR |
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8508 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST SEC 2 LOT 43 |
| Legal Subdivision | HILLCREST (IND) |
| Legal Phase | 2 |
| Legal Lot Number | 43 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 63610 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|
| Mailing Address | 86 FLEMING DR, INDEPENDENCE, KY 41051-8508 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARK NATIONAL BANK |
| Jul 3, 2019 | Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE AFFINITY LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 3, 2019 · Amount on Record |
| Deed Sale | Jul 3, 2019 · Amount on Record |
| Deed Document Number | 0004287278 |
| Deed Book / Page | 4287 / 278 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 86 FLEMING DR, INDEPENDENCE, KY 41051-8508 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2021 |
| Title Company | TECHNE TITLE AGENCY INC |
| Name | Verified Name |
|---|
| Document Number | 0005900181 |
|---|---|
| Date | Oct 22, 2021 |
| Book Page | 289/596 |
| Instrument | 21102205900181 |
| Name | PARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NEWARK, OH 43058 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 3, 2019 |
| Property Address | 86 FLEMING DR, INDEPENDENCE, KY 41051-8508 |
| Document Number | 0000000123 |
| Book / Page | 0I4287 / 000278 |
| Instrument Date | Jun 25, 2019 |
| Instrument | 123 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2019 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 86 FLEMING DR INDEPENDENCE KY 410518508, INDEPENDENCE, KY 41051-8508 |
| Document Number | 124 |
|---|---|
| Date | Jul 3, 2019 |
| Book Page | 0I4287/000281 |
| Instrument | 124 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 2, 2049 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $2,885.00 (+27.04%) | $248,100 (+37.83%) Land $40,000 Building $208,100 | $248,100 (+37.83%) Land $40,000 Building $208,100 |
| 2023 | $2,271.00 | $180,000 Land $30,000 Building $150,000 | $180,000 Land $30,000 Building $150,000 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 141 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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