Seller's Agent in 2026
Karen Elkins
Coldwell Banker Realty FM
(859) 802-7241
4 in this area
19 Total Sales
860 Stephens Rd Independence, KY 41051
3
Beds
5
Baths
2,432
Sq Ft
78,844
Sq Ft Lot
Highlights
- Above Ground Pool
- 1.81 Acre Lot
- Deck
- White's Tower Elementary School Rated A-
- Open Floorplan
- Vaulted Ceiling
About This Home
As of February 2026Looking for a spacious, fine craftsman ranch? Check out this custom built home that the builder built for himself! With 3 bedrooms, 3 full and 1 half baths. Boasting 2 finished levels, this home has plenty of space for all of your family and friends as it sits on 1.81 acres just minutes from dining and shopping. The front entrance invites you into this rambling ranch. The living areas are enhanced with beautiful wood vaulted ceilings and charm. Enjoy the kitchen, breakfast and great room with a warm, native stone fireplace complete with wood burning stove. More amenities included are *solid oak hardwood floors* solid poplar six panel doors*stainless appliances* wood chair rail* Anderson wood windows*septic replaced 2023*new furnace 2023*new hot water heater 2024*new whole house humidifier 2023* new a/c unit 2023*first floor laundry*additional family room and game room in the lower level*tons of storage area/excercise area* large deck with above ground pool* wood shed with wood for the winter and more! 3 GARAGES FOR 5 VEHICLES!!!! No HOA. The outbuilding also is equipped with a professionally soundproofed recording studio, waiting area and half bath. Country music star, Carly Pearce, a Taylor Mill native, recorded her first tracks here!!!! There is everything you need and more! Don't wait to schedule a visit!
Last Agent to Sell the Property
Coldwell Banker Realty FM License #191890 Listed on: 10/12/2025
Home Details
Home Type
- Single Family
Year Built
- Built in 1985
Lot Details
- 1.81 Acre Lot
- Property fronts a county road
- Corner Lot
- Sloped Lot
- Land Lease
Parking
- Garage
- Side Facing Garage
- Garage Door Opener
- Driveway
Home Design
- Ranch Style House
- Brick Exterior Construction
- Poured Concrete
- Shingle Roof
- Composition Roof
- Shingle Siding
- Concrete Block And Stucco Construction
Interior Spaces
- Open Floorplan
- Bookcases
- Chair Railings
- Woodwork
- Crown Molding
- Vaulted Ceiling
- Recessed Lighting
- Wood Burning Fireplace
- Decorative Fireplace
- Self Contained Fireplace Unit Or Insert
- Bay Window
- Wood Frame Window
- Panel Doors
- Great Room
- Family Room
- Living Room
- Breakfast Room
- Formal Dining Room
- Home Office
- Bonus Room
- Game Room
- Attic Fan
Kitchen
- Eat-In Kitchen
- Microwave
- Dishwasher
- Kitchen Island
Flooring
- Wood
- Carpet
- Ceramic Tile
Bedrooms and Bathrooms
- 3 Bedrooms
- En-Suite Bathroom
- Walk-In Closet
- Hydromassage or Jetted Bathtub
- Shower Only
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Finished Basement
- Walk-Out Basement
- Partial Basement
- Basement Storage
Home Security
- Smart Thermostat
- Fire and Smoke Detector
Outdoor Features
- Above Ground Pool
- Deck
- Outbuilding
Schools
- Whites Tower Elementary School
- Twenhofel Middle School
- Simon Kenton High School
Utilities
- Humidifier
- Forced Air Heating and Cooling System
- Heating System Uses Oil
- 220 Volts
- Septic Tank
- Cable TV Available
Community Details
- No Home Owners Association
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Oct 12, 2025
Closed on
Feb 13, 2026
Sold by
Schwartz Anthony W and Schwartz Megan
Bought by
Howard Dennis and Howard Diana Marie
Seller's Agent
Karen Elkins
Coldwell Banker Realty FM
Buyer's Agent
Karen Elkins
Coldwell Banker Realty FM
List Price
$719,900
Sold Price
$595,000
Premium/Discount to List
-$124,900
-17.35%
Views
196
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
42.03%
Purchase Details
Closed on
Aug 16, 2013
Sold by
Gray Mark and Gray Linda
Bought by
Schwartz Anthony W and Schwartz Megan
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $595,000 | Lawyers Title | |
| Warranty Deed | $290,000 | None Available |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 02/13/2026 02/13/26 | Sold | $595,000 | -5.4% | $245 / Sq Ft |
| 12/27/2025 12/27/25 | Pending | -- | -- | -- |
| 11/15/2025 11/15/25 | Price Changed | $629,000 | -6.0% | $259 / Sq Ft |
| 10/27/2025 10/27/25 | Price Changed | $669,000 | -3.7% | $275 / Sq Ft |
| 10/18/2025 10/18/25 | Price Changed | $695,000 | -3.5% | $286 / Sq Ft |
| 10/12/2025 10/12/25 | For Sale | $719,900 | -- | $296 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
| 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 | $3,962 | $340,700 | $30,000 | $310,700 |
| 2024 | $4,174 | $340,700 | $30,000 | $310,700 |
| 2023 | $4,300 | $340,700 | $30,000 | $310,700 |
| 2022 | $4,349 | $340,700 | $30,000 | $310,700 |
| 2021 | $4,414 | $340,700 | $30,000 | $310,700 |
| 2020 | $3,848 | $290,000 | $30,000 | $260,000 |
| 2019 | $3,858 | $290,000 | $30,000 | $260,000 |
| 2018 | $3,879 | $290,000 | $30,000 | $260,000 |
| 2017 | $3,772 | $290,000 | $30,000 | $260,000 |
| 2015 | $3,671 | $290,000 | $40,000 | $250,000 |
| 2014 | $3,619 | $290,000 | $40,000 | $250,000 |
Source: Public Records
Agents Affiliated with this Home
-
Karen Elkins
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 637088
APN: 047-00-00-061.01
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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