89 Bradley Dr, Independence, KY 41051 Property Records

Kenton County property record for 89 Bradley Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,466 sqft · built 2005
Lot Size	1.12 acres (48,787 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (May 2024)
Tax Bill	$3,547 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`032-40-01-012.01`

Property Details

APN / Parcel Number

Primary APN	`032-40-01-012.01`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,466 sqft Finished Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Brick
Lot Area	48,787 sqft (1.12 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	89 BRADLEY DR
City	INDEPENDENCE
State	KY
Zip	41051-8003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALLEN ESTATES LOT 1
Legal Subdivision	ALLEN ESTATES
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1012
Census Tract	63610

Owner

Source: Kenton County records, as of July 1, 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	89 BRADLEY DR, INDEPENDENCE, KY 41051-8003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jun 23, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 19, 2019	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jul 20, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2024 · Amount on Record
Deed Sale	May 30, 2024 · Amount on Record
Prior Sale	Jul 20, 2018 · Amount on Record
Deed Document Number	2024231
Deed Book / Page	286 / 846
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	89 BRADLEY DR, INDEPENDENCE, KY 41051-8003
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 BRADLEY DR, INDEPENDENCE, KY 41051-8003

Mortgage

Document Number	0005900228
Date	Aug 22, 2023
Book Page	KCM 486/204
Instrument	23082205900228

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	89 BRADLEY DR, INDEPENDENCE, KY 41051-8003
Transaction Type	Mortgage
Record Updated	Jul 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900031
Date	Jun 23, 2021
Book Page	234/407
Instrument	21062305900031

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	89 BRADLEY DR, INDEPENDENCE, KY 41051-8003
Document Number	0000000216
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Nov 5, 2019
Title Company	TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 BRADLEY DR INDEPENDENCE KY 410518003, INDEPENDENCE, KY 41051-8003

Mortgage

Document Number	0000000216
Date	Oct 11, 2019
Book Page	004343/000030
Instrument	216

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 10, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2018
Property Address	89 BRADLEY DR, INDEPENDENCE, KY 41051-8003
Document Number	0000000080
Book / Page	0I4136 / 000064
Instrument Date	Jul 16, 2018
Instrument	80
Transaction Type	Transfer
Record Updated	Aug 6, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$199.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	89 BRADLEY DR INDEPENDENCE KY 410518003, INDEPENDENCE, KY 41051-8003

Mortgage

Document Number	81
Date	Jul 20, 2018
Book Page	0I4136/000067
Instrument	81

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 19, 2048

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,547.00 (+40.7%)	$305,000 (+52.65%) Land $40,000 Building $265,000	$305,000 (+52.65%) Land $40,000 Building $265,000
2023	$2,521.00	$199,800 Land $30,000 Building $169,800	$199,800 Land $30,000 Building $169,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 175 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

May also be available: Verizon.

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