Clay Horan
Horan Rosenhagen Real Estate
(513) 866-2497
60 Total Sales
2 in Independence
$330K - $490K Price Range
639 Cutter Ln Independence, KY 41051
Independence Area
4
Beds
2
Baths
--
Sq Ft
6,251
Sq Ft Lot
Highlights
- Deck
- Cathedral Ceiling
- No HOA
- Traditional Architecture
- Great Room
- Fireplace
About This Home
As of September 2026Charming and move-in ready home in the desirable Glenhurst neighborhood! USDA financing eligible! This well-maintained home offers 4 bedrooms, with 2 bedrooms on the upper level and 2 on the lower level, providing flexible living space for a variety of needs. The sellers have lovingly cared for the property, making it truly turnkey.
Enjoy the open-concept floor plan, newer luxury vinyl plank flooring, and a spacious deck overlooking the large backyard--perfect for relaxing or entertaining. Additional features include a storage shed and a brand-new water heater (2026).
Conveniently located near the neighborhood park with easy access to both Boone and Kenton Counties, you'll be just minutes from grocery stores, shopping, dining, and everyday amenities. Don't miss this opportunity--schedule your private showing today!
Last Buyer's Agent
Alex Navarrete Team
Huff Realty - Florence
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Home Details
Home Type
- Single Family
Year Built
- Built in 2006
Lot Details
- 6,251 Sq Ft Lot
- Lot Dimensions are 50 x 125
- Land Lease
Parking
- Garage
- Driveway
Home Design
- Traditional Architecture
- Bi-Level Home
- Brick Exterior Construction
- Poured Concrete
- Shingle Roof
- Vinyl Siding
Interior Spaces
- Cathedral Ceiling
- Ceiling Fan
- Chandelier
- Fireplace
- Vinyl Clad Windows
- Transom Windows
- Panel Doors
- Entrance Foyer
- Great Room
- Living Room
- Finished Basement
- Walk-Out Basement
Kitchen
- Eat-In Kitchen
- Electric Range
- Microwave
- Dishwasher
- Kitchen Island
Flooring
- Carpet
- Concrete
- Luxury Vinyl Tile
Bedrooms and Bathrooms
- 4 Bedrooms
- En-Suite Bathroom
- 2 Full Bathrooms
Laundry
- Laundry Room
- Laundry on lower level
- Electric Dryer Hookup
Outdoor Features
- Deck
- Shed
Schools
- Beechgrove Elementary School
- Twenhofel Middle School
- Simon Kenton High School
Utilities
- Forced Air Heating and Cooling System
- Underground Utilities
- High Speed Internet
Community Details
- No Home Owners Association
- Glenhurst Subdivision
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Sep 8, 2022
Closed on
Oct 25, 2022
Sold by
Joshua Poe
Bought by
Seller's Agent
Teri Barnes
Huff Realty - CC
Buyer's Agent
Patricia Lay
Huff Realty - Florence
List Price
$225,000
Sold Price
$225,000
Views
1
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
3.43%
Original Mortgage
$227,272
Outstanding Balance
$216,206
Interest Rate
6.02%
Mortgage Type
New Conventional
Estimated Equity
$39,982
Purchase Details
Listed on
Dec 17, 2021
Closed on
Nov 9, 2021
Sold by
Johnson Jonathan and Johnson Adrianne
Bought by
Poe Joshua
Seller's Agent
Null Non-Member
Non-Member Office
Buyer's Agent
James Martin
Realty World - Adams & Associates
List Price
$199,900
Sold Price
$203,000
Premium/Discount to List
$3,100
1.55%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
11.31%
Original Mortgage
$207,669
Interest Rate
3.01%
Mortgage Type
VA
Purchase Details
Closed on
May 17, 2012
Sold by
Federal National Mortgage Association
Bought by
Johnson Jonathan
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$4,400
Interest Rate
3.9%
Mortgage Type
Future Advance Clause Open End Mortgage
Purchase Details
Closed on
Sep 22, 2011
Sold by
Bleier Crystal A
Bought by
Kentucky Housing Corporation
Purchase Details
Closed on
Sep 7, 2006
Sold by
Celestial Building Corp
Bought by
Bleier Crystal A
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$122,050
Interest Rate
6.67%
Mortgage Type
New Conventional
Purchase Details
Closed on
Jun 15, 2006
Sold by
Glenhurst Development Llc
Bought by
Celestial Building Corp
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$2,400
Interest Rate
6.52%
Mortgage Type
Purchase Money Mortgage
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Independence, KY
-
Clay Horan
-
Heather Townsend
Heather Townsend
Huff Realty - Florence
(859) 739-3465
54 Total Sales
2 in Independence
$248K - $435K Price Range
-
David Schneider
David Schneider
Blue Chicken Realty
(513) 586-5839
97 Total Sales
4 in Independence
$205K - $360K Price Range
-
Kimberly Nachazel
Kimberly Nachazel
eXp Realty, LLC
(513) 802-9458
131 Total Sales
5 in Independence
$203K - $450K Price Range
-
Jody Connett
JC
Jody Connett
Huff Realty - CC
(513) 586-6213
113 Total Sales
3 in Independence
$280K - $365K Price Range
-
Chris Kennedy
Chris Kennedy
Sibcy Cline, REALTORS-Florence
(513) 586-6325
103 Total Sales
4 in Independence
$254K - $370K Price Range
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $225,000 | None Listed On Document | |
| Deed | $203,000 | None Available | |
| Special Warranty Deed | $94,900 | Springdale Title Llc | |
| Deed | -- | None Available | |
| Deed | -- | None Available | |
| Deed | -- | None Available | |
| Deed | $122,050 | Kentucky Land Title Agency | |
| Warranty Deed | $32,000 | Kentucky Land Title Agency |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $227,272 | New Conventional | |
| Previous Owner | $207,669 | VA | |
| Previous Owner | $4,400 | Future Advance Clause Open End Mortgage | |
| Previous Owner | $93,180 | FHA | |
| Previous Owner | $122,050 | New Conventional | |
| Previous Owner | $2,400 | Purchase Money Mortgage |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 09/03/2026 09/03/26 | Sold | $260,000 | 0.0% | -- | |
| 07/23/2026 07/23/26 | Pending | -- | -- | -- | |
| 07/10/2026 07/10/26 | For Sale | $260,000 | +15.6% | -- | |
| 10/26/2022 10/26/22 | Sold | $225,000 | 0.0% | -- | View Prior Sale |
| 09/14/2022 09/14/22 | Pending | -- | -- | -- | |
| 09/09/2022 09/09/22 | For Sale | $225,000 | +12.6% | -- | |
| 12/17/2021 12/17/21 | For Sale | $199,900 | -1.5% | -- | |
| 11/09/2021 11/09/21 | Sold | $203,000 | 0.0% | -- | View Prior Sale |
| 11/09/2021 11/09/21 | Sold | $203,000 | +1.6% | $234 / Sq Ft | View Prior Sale |
| 10/09/2021 10/09/21 | Pending | -- | -- | -- | |
| 10/09/2021 10/09/21 | Pending | -- | -- | -- | |
| 10/07/2021 10/07/21 | For Sale | $199,900 | -- | $231 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $2,617 | $225,000 | $45,000 | $180,000 |
| 2024 | $2,756 | $225,000 | $30,000 | $195,000 |
| 2023 | $2,840 | $225,000 | $30,000 | $195,000 |
| 2022 | $2,621 | $203,000 | $30,000 | $173,000 |
| 2021 | $1,720 | $129,200 | $30,000 | $99,200 |
| 2020 | $1,441 | $105,000 | $25,000 | $80,000 |
| 2019 | $1,445 | $105,000 | $25,000 | $80,000 |
| 2018 | $1,452 | $105,000 | $25,000 | $80,000 |
| 2017 | $1,414 | $105,000 | $25,000 | $80,000 |
| 2015 | $1,242 | $94,900 | $32,000 | $62,900 |
| 2014 | $1,225 | $94,900 | $32,000 | $62,900 |
Source: Public Records
Agents Affiliated with this Home
-
Debbie Steiner
Seller's Agent in 2026
Debbie Steiner
Huff Realty - Florence
(859) 653-1328
342 Total Sales
-
AN
Buyer's Agent in 2026
Alex Navarrete Team
Huff Realty - Florence
-
Teri Barnes
Seller's Agent in 2022
Teri Barnes
Huff Realty - CC
(859) 462-5345
79 Total Sales
-
PL
Buyer's Agent in 2022
Patricia Lay
Huff Realty - Florence
-
PL
Buyer's Agent in 2022
Pat Lay
Berkshire Hathaway HomeService
-
NN
Seller's Agent in 2021
Null Non-Member
Non-Member Office
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 644553
APN: 007-00-01-515.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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