Kenton County property record for 95 Fleming Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,040 sqft · built 1992 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $152,000 (Aug 2014) |
| Tax Bill | $2,474 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit Jan 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032-30-00-047.00 |
| Primary APN | 032-30-00-047.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,040 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 95 FLEMING DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8509 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLCREST SEC 2 LOT 47 |
| Legal Subdivision | HILLCREST (IND) |
| Legal Phase | 2 |
| Legal Lot Number | 47 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 63610 |
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 | 95 FLEMING DR, INDEPENDENCE, KY 41051-8509 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 21, 2023 | Deed of Trust, Mortgage · Line of Credit PARK COMMUNITY FCU |
| Jan 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 16, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PARK CMNTY CU |
| Oct 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PARK CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2014 · Amount on Record |
| Deed Sale | Aug 21, 2014 · Amount on Record |
| Prior Sale | Jul 1, 2003 · Amount on Record |
| Deed Document Number | 201408 21 059 00110 |
| Deed Book / Page | 3478 / 142 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 95 FLEMING DR, INDEPENDENCE, KY 41051-8509 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900006 |
|---|---|
| Date | Mar 21, 2023 |
| Book Page | KCM 447/527 |
| Instrument | 23032105900006 |
| Name | PARK COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOUISVILLE, KY 40299 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 95 FLEMING DR, INDEPENDENCE, KY 41051-8509 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005900013 |
|---|---|
| Date | Jan 4, 2022 |
| Book Page | 320/829 |
| Instrument | 22010405900013 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 95 FLEMING DR, INDEPENDENCE, KY 41051-8509 |
| Document Number | 0000000180 |
| Instrument Date | Nov 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 95 FLEMING DR INDEPENDENCE KY 410518509, INDEPENDENCE, KY 41051-8509 |
| Document Number | 0000000180 |
|---|---|
| Date | Dec 12, 2019 |
| Book Page | 0I4378/000061 |
| Instrument | 180 |
| Name | PARK CMNTY CU |
|---|---|
| Address | LOUISVILLE, KY 40299 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 11, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 95 FLEMING DR, INDEPENDENCE, KY 41051-8509 |
| Document Number | 0000000233 |
| Book / Page | 0I4019 / 000285 |
| Instrument Date | Oct 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2017 |
| Name | Verified Name |
|---|---|
| Address | 95 FLEMING DR INDEPENDENCE KY 410518509, INDEPENDENCE, KY 41051-8509 |
| Document Number | 0000000233 |
|---|---|
| Date | Oct 27, 2017 |
| Book Page | 0I4019/000285 |
| Instrument | 233 |
| Name | PARK CMNTY CU |
|---|---|
| Address | LOUISVILLE, KY 40299 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 26, 2047 |
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 | $212,800 (-) Land $40,000 Building $172,800 | $212,800 (-) Land $40,000 Building $172,800 | |
| 2025 | $2,474.00 (+6.32%) | $212,800 (+15.4%) Land $40,000 Building $172,800 | $212,800 (+15.4%) Land $40,000 Building $172,800 |
| 2023 | $2,327.00 | $184,400 Land $30,000 Building $154,400 | $184,400 Land $30,000 Building $154,400 |
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 |
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 141 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 |
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