9877 Flagstone Dr, Independence, KY 41051 Property Records

Kenton County property record for 9877 Flagstone Dr, Independence, KY 41051

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,020 sqft · built 1992
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,706 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`018-00-00-039.14`

Property Details

APN / Parcel Number

Primary APN	`018-00-00-039.14`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,020 sqft Finished Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	130 ft deep x 70 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	9877 FLAGSTONE DR
City	INDEPENDENCE
State	KY
Zip	41051-8566
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDEPENDENCE POINTE SEC 1 LOT 4
Legal Subdivision	INDEPENDENCE POINTE
Legal Phase	1
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	3
Census Block	3030
Census Tract	63604

Owner

9877 Flagstone Dr is owned and occupied by two individuals.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9877 FLAGSTONE DR, INDEPENDENCE, KY 41051-8566
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Mar 31, 2026
Property Address	9877 FLAGSTONE DR, INDEPENDENCE, KY 41051-8566
Document Number	0000006553
Book / Page	409 / 234
Map Reference	MB 356 PG 327
Instrument Date	Mar 27, 2026
Instrument	26059000006553
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6900 HOPEFUL CHURCH RD343, FLORENCE, KY 41042

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6900 HOPEFUL CHURCH RD # 343, 343, FLORENCE, KY 41042

Mortgage

Document Number	0000006554
Date	Mar 31, 2026
Instrument	26059000006554

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 9877 Flagstone Dr was $1,706 with a homeowner's exemption.

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
2026		$195,800 (-) Land $35,000 Building $160,800	$195,800 (-) Land $35,000 Building $160,800
2025	$1,706.00 Homeowner's exemption	$195,800 Land $35,000 Building $160,800	$195,800 Land $35,000 Building $160,800
2023	$1,341.00 Homeowner's exemption	$152,700 Land $30,000 Building $122,700	$152,700 Land $30,000 Building $122,700

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

Flood

FEMA maps place 9877 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

Wildfire risk around 9877 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.

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 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