Kenton County property record for 933 Stephens Rd, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · built 2024 |
| Lot Size | 2.26 acres (98,620 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $6,459 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 047-00-00-067.01 |
| Primary APN | 047-00-00-067.01 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Lot Area | 98,620 sqft (2.26 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 933 STEPHENS RD |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-9298 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.2644 ACS SES STEPHENS RD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 63606 |
Source: Kenton County records, as of November 27, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1176 CANNONBALL WAY, INDEPENDENCE, KY 41051-6916 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Oct 23, 2024 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO OF HAZARD |
| Sep 25, 2023 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO OF HAZARD |
| Oct 22, 2024 | Deed of Trust, Mortgage · Line of Credit PEOPLES BANK & TRUST CO OF HAZARD |
| Aug 15, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Aug 15, 2023 |
| Transfer Doc | 0005900064 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Document Number | 0005900165 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | KCM 712/655 |
| Instrument | 25120205900165 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Title Company | BLUEGRASS LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Document Number | 0005900046 |
|---|---|
| Date | Oct 23, 2024 |
| Book Page | KCM 593/934 |
| Instrument | 24102305900046 |
| Name | PEOPLES BANK & TRUST CO OF HAZARD |
|---|---|
| Type | Bank |
| Address | HAZARD, KY 41702 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Aug 2, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1176 CANNONBALL WAY, INDEPENDENCE, KY 41051-6916 |
| Document Number | 0005900315 |
|---|---|
| Date | Sep 25, 2023 |
| Book Page | KCM 494/653 |
| Instrument | 23092505900315 |
| Name | PEOPLES BANK & TRUST CO OF HAZARD |
|---|---|
| Type | Bank |
| Address | HAZARD, KY 41702 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 18, 2024 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2025 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Document Number | 0005900025 |
|---|---|
| Date | Oct 22, 2024 |
| Book Page | KCM 593/507 |
| Instrument | 24102205900025 |
| Name | PEOPLES BANK & TRUST CO OF HAZARD |
|---|---|
| Type | Bank |
| Address | HAZARD, KY 41702 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 15, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 15, 2023 |
| Property Address | 933 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Document Number | 0005900064 |
| Book / Page | KC 241 / 764 |
| Instrument Date | Jul 10, 2023 |
| Instrument | 23081505900064 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 939 STEPHENS RD, INDEPENDENCE, KY 41051-9298 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1176 CANNONBALL WAY, INDEPENDENCE, KY 41051-6916 |
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) |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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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