Kenton County property record for 9897 Flagstone Dr, Independence, KY 41051
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,296 sqft · built 1992 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $291,000 (Jun 2026) |
| Tax Bill | $2,280 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Jul 2022 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 018-00-00-039.19 |
| Primary APN | 018-00-00-039.19 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,296 sqft Finished Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 120 ft deep x 70 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 9897 FLAGSTONE DR |
|---|---|
| City | INDEPENDENCE |
| State | KY |
| Zip | 41051-8791 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDEPENDENCE POINTE SEC 1 LOT 9 |
| Legal Subdivision | INDEPENDENCE POINTE |
| Legal Phase | 1 |
| Legal Lot Number | 9 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 63604 |
9897 Flagstone Dr is owned and occupied by two individuals who bought it in June 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 10, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 14, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE DEPOT LLC |
| Jan 13, 2025 | Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC |
| Jun 1, 2026 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Apr 17, 2020 | Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS |
| Jan 10, 2019 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on File |
| Deed Sale | Jun 1, 2026 · Amount on File |
| Prior Sale | Jan 10, 2019 · Amount on File |
| Deed Document Number | 202611346 |
| Deed Book / Page | 439 / 954 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005900074 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 304/38 |
| Instrument | 21111905900074 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0005900147 |
|---|---|
| Date | Jul 13, 2022 |
| Book Page | 388/488 |
| Instrument | 22071305900147 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0005900082 |
|---|---|
| Date | Feb 10, 2023 |
| Book Page | KCM 439/530 |
| Instrument | 23021005900082 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Title Company | TRANSTAR NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0005900108 |
|---|---|
| Date | Oct 14, 2025 |
| Book Page | KCM 695/595 |
| Instrument | 25101405900108 |
| Name | MORTGAGE DEPOT LLC |
|---|---|
| Type | Mortgage Company |
| Address | FRANKLIN, MI 48025 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.74% |
| Type Change Date | Jan 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 3.74% |
| Max Rate At Change | 5.74% |
| Max Rate | 9.74% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Transaction Type | Mortgage |
| Record Updated | Jun 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0005900269 |
|---|---|
| Date | Jan 13, 2025 |
| Book Page | KCM 617/513 |
| Instrument | 25011305900269 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 1, 2026 |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0000011346 |
| Book / Page | 439 / 954 |
| Instrument Date | May 22, 2026 |
| Instrument | 202611346 |
| Transaction Type | Transfer |
| Record Updated | Jun 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29,391.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0000011347, |
|---|---|
| Date | Jun 1, 2026 |
| Book Page | 439/958 |
| Instrument | 2026060111347 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000011348, |
|---|---|
| Date | Jun 1, 2026 |
| Book Page | 439/978 |
| Instrument | 2026060111348 |
| Name | KENTUCKY HOUSING CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 15 Months |
| Due | Jun 1, 2041 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0000000002 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON |
| Name | Verified Name |
|---|---|
| Address | 9897 FLAGSTONE DR INDEPENDENCE KY 410518791, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0000000002 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 000M39/000176 |
| Instrument | 2 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 10, 2019 |
| Property Address | 9897 FLAGSTONE DR, INDEPENDENCE, KY 41051-8791 |
| Document Number | 0000000034 |
| Book / Page | 0I4213 / 000326 |
| Instrument Date | Jan 9, 2019 |
| Instrument | 34 |
| Transaction Type | Transfer |
| Record Updated | Jan 21, 2019 |
| Title Company | NORTHWEST TITLE AGENCY INC, NORTHWEST TITLE AGCY INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $167.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9897 FLAGSTONE DR INDEPENDENCE KY 410518791, INDEPENDENCE, KY 41051-8791 |
| Document Number | 36 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 0I4213/000328 |
| Instrument | 36 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 9, 2049 |
The 2025 property tax bill for 9897 Flagstone Dr was $2,280 with a homeowner's exemption.
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 | $245,200 (-) Land $35,000 Building $210,200 | $245,200 (-) Land $35,000 Building $210,200 | |
| 2025 | $2,280.00 Homeowner's exemption | $245,200 Land $35,000 Building $210,200 | $245,200 Land $35,000 Building $210,200 |
| 2023 | $1,528.00 Homeowner's exemption | $167,500 Land $30,000 Building $137,500 | $167,500 Land $30,000 Building $137,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9897 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 9897 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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