Kenton County property record for 9876 Flagstone Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,111 sqft · built 1992 |
| Lot Size | 0.076 acres (3,324 sqft) |
| Owner | Individual Name on File |
| Last Sale | $184,000 (Apr 2019) |
| Tax Bill | $2,465 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Apr 2021 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-00-00-039.34 |
| Primary APN | 018-00-00-039.34 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,111 sqft Finished Area |
| Gross Area | 1,871 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 3,324 sqft (0.076 acres) |
| Lot Dimensions | 78 ft deep x 93 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 9876 FLAGSTONE DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8795 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDEPENDENCE POINTE SEC 1 LOT 24 & 0.0763 AC ADDN TO SEC 9 LOT 24 |
| Legal Subdivision | INDEPENDENCE POINTE |
| Legal Phase | 241&9 |
| Legal Lot Number | 24 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 63604 |
9876 Flagstone Dr is owned and occupied by an individual who acquired it in February 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 28, 2024 | Intrafamily Transfer, Transfer |
| Apr 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Dec 26, 2019 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FIN'L SVCS INC |
| Apr 23, 2019 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE |
| Jan 22, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 23, 2019 · Amount on File |
| Deed Sale | Apr 23, 2019 · Amount on File |
| Prior Sale | Jun 26, 1997 · Amount on File |
| Deed Document Number | 201904 23 059 00248 |
| Deed Book / Page | 4253 / 250 |
| Last Transfer Date | Feb 27, 2024 |
| Transfer Doc | 0005900103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 28, 2024 |
| Property Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Document Number | 0005900103 |
| Book / Page | KC 271 / 849 |
| Map Reference | SL B-786 |
| Instrument Date | Feb 27, 2024 |
| Instrument | 24022805900103 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Name | Verified Name |
|---|---|
| Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Document Number | 0005900137 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 202/781 |
| Instrument | 21041605900137 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 345 Months |
| Due | Jan 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Document Number | 0000000064 |
| Instrument Date | Dec 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2020 |
| Title Company | VANTAGE PT TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 9876 FLAGSTONE DR INDEPENDENCE KY 410518795, INDEPENDENCE, KY 41051-8795 |
| Document Number | 0000000064 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 0000M8/000730 |
| Instrument | 64 |
| Name | HOMEBRIDGE FIN'L SVCS INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 23, 2019 |
| Property Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Document Number | 0000000248 |
| Book / Page | 0I4253 / 000250 |
| Instrument Date | Apr 19, 2019 |
| Instrument | 248 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9876 FLAGSTONE DR INDEPENDENCE KY 410518795, INDEPENDENCE, KY 41051-8795 |
| Document Number | 249 |
|---|---|
| Date | Apr 23, 2019 |
| Book Page | ORI425/000253 |
| Instrument | 249 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 22, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9876 FLAGSTONE DR, INDEPENDENCE, KY 41051-8795 |
| Document Number | 0000000003 |
| Instrument Date | Jan 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2018 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9876 FLAG HONE DR INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 0000000003 |
|---|---|
| Date | Feb 7, 2018 |
| Book Page | 0I4065/000027 |
| Instrument | 3 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WINSTON-SALEM, NC 27101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 6, 2043 |
The 2025 property tax bill for 9876 Flagstone Dr was $2,465.
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 | $212,000 (-) Land $35,000 Building $177,000 | $212,000 (-) Land $35,000 Building $177,000 | |
| 2025 | $2,465.00 | $212,000 Land $35,000 Building $177,000 | $212,000 Land $35,000 Building $177,000 |
| 2023 | $2,322.00 | $184,000 Land $30,000 Building $154,000 | $184,000 Land $30,000 Building $154,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9876 Flagstone Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1996.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1996) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1996 · river or lake flooding |
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 risk around 9876 Flagstone Dr 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 | 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 269 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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