Last Sold Price
3 beds
860 Stephens Road, Independence, KY 41051

Description

Looking 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,...Looking 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!
LISTING CLOSED: 02/13/2026 12:00 AM

Listing Agent

  1. Karen Elkins

    Karen Elkins

    Listing Agent

    Coldwell Banker Realty FM

    P: (859) 802-7241

Property Details for 860 Stephens Road

Status
MLS #
637088
Days on Market
76
Taxes
-
HOA Fees
-
Condo/Co-op Fees
-
Property Type
MLS Type
Residential / Single Family Residence
Year Built
1985
Lot Size
1.81 AC / 78,843 SF
Architectural Style
Ranch
Zoning Description
Residential

Recent comparable sales

Median sold price

$415,000

Avg days on market

16

Sale-to-list ratio

98.0%

[Independence, KY]

9 comparable properties found

$598,805 | 10875 Griststone Circle, Independence, KY 41051
1/51
1

$598,805

Sold 12/02/24

3
Bedrooms
2,634
Square Feet
0.53
Acres
$459,000 | 6256 Woodsgrove Court, Independence, KY 41051
1/46
2

$459,000

Sold 11/26/25

3
Bedrooms
2,426
Square Feet
0.22
Acres
$415,000 | 10824 Autumnridge Drive, Independence, KY 41051
1/35
3

$415,000

Sold 08/05/25

3
Bedrooms
2,449
Square Feet
0.49
Acres
$365,000 | 810 Ridgepoint Drive, Independence, KY 41051
1/33
4

$365,000

Sold 06/30/25

3
Bedrooms
1,852
Square Feet
0.27
Acres
$498,943 | 12056 Blue Ash Lane, Independence, KY 41051
1/2
5

$498,943

Sold 05/29/26

3
Bedrooms
Unavailable
Square Feet
0.21
Acres
$375,000 | 866 Stablewatch Drive, Independence, KY 41051
1/41
6

$375,000

Sold 05/29/26

3
Bedrooms
2,356
Square Feet
0.27
Acres
$360,000 | 5359 Fawnview Court, Independence, KY 41051
1/50
7

$360,000

Sold 10/10/25

3
Bedrooms
1,932
Square Feet
0.3
Acres
$350,000 | 2142 Stoneharbor Lane, Independence, KY 41051
1/43
8

$350,000

Sold 10/25/24

3
Bedrooms
2,450
Square Feet
0.34
Acres
$600,000 | 3523 Millhouse Boulevard, Independence, KY 41051
1/49
9

$600,000

Sold 01/13/25

3
Bedrooms
Unavailable
Square Feet
0.5
Acres

Location

Add your commute

Building Information for 860 Stephens Road

Stories-Year Built1985Building Size-Lot Size1.81 AC / 78,843 SF

Payment Calculator

$3,354 per month

30 year fixed, 6.55% Interest

Principal and Interest

$3,024

Property Taxes

$330

HOA Dues

$0

The Payment Calculator is for illustrative purposes only.

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Property Information for 860 Stephens Road

Summary
Location and General Information
  • Longitude: -84.51976
  • Latitude: 38.940788
  • Directions: 17 to Fowler Creek. L on Stephens.
  • MLSArea Major: K04 - Indp/Tay Mil/Covingtn
  • MLSArea Minor: K04 - Indp/Tay Mil/Covingtn
  • Year Built Known: Yes
  • Property Condition Disclosure: Yes
  • SIC: KB - Independence-Kenton County
Taxes and HOA
  • Association: No
  • Parcel Number: 047-00-00-061.01
  • Tax Rate: 14.45
School Information
  • High School District: Kenton Co Public
  • Elementary School: Whites Tower Elementary
  • Middle Or Junior School: Twenhofel Middle School
  • High School: Simon Kenton High
Parking
  • Parking Features: Attached, Detached, Driveway, Garage Faces Side, Garage Door Opener, Garage
  • Attached Garage: Yes
  • Garage: Yes
  • Garage Spaces: 5.0
Property
Lot Information
  • Road Frontage Type: County Road
  • Lot Size Units: Acres
  • Lot Features: Corner Lot, Sloped
  • Lot Size Acres: 1.81
  • Lot Size Source: Realist
  • Lot Size Dimensions: of record
  • Lot Size Area: 1.81
  • Road Surface Type: Paved
  • Lot Features: Corner Lot, Sloped
Property and Assessments
  • New Construction: No
  • Year Built: 1985
  • Property Condition: Existing Structure
  • Land Lease: Yes
  • Property Attached: No
  • Land Description: 1 to 4.9 Acres
Building Features
  • Levels: One
  • Structure Type: House
  • Other Structures: Outbuilding
  • Foundation Details: Poured Concrete
  • Construction Materials: Brick, Shingle Siding, Concrete
Farm Information
  • Other Equipment: Humidifier
Utilities
  • Utilities: Cable Available
  • Sewer: Septic Tank
  • Electric: 220 Volts, 220 Volts in Garage
  • Water Source: Public
Interior and Exterior Features
Interior Features
  • Bathrooms: 3
  • Appliances: Dryer, Dishwasher, Microwave, Refrigerator, Washer
  • Bathrooms Half: 2
  • Cooling: Attic Fan, Central Air
  • Fireplaces Total: 1
  • Security Features: Smoke Detector(s)
  • Fireplace: Yes
  • Window Features: Insulated Windows, Bay Window(s), Wood Frames
  • Has Heating: Yes
  • Has Cooling: Yes
  • Basement: Partial, Walk-Out Access, Full Finished Bath, Finished, Storage Space
  • Interior Features: Recessed Lighting, Multi Panel Doors, High Ceilings, Crown Molding, Natural Woodwork, Vaulted Ceiling(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Smart Thermostat, Soaking Tub, Walk-In Closet(s)
  • Rooms Total: 15
  • Laundry Features: Main Level, Laundry Room
  • Heating: Forced Air, Oil
  • Fireplace Features: Decorative, Insert, Wood Burning
Exterior Features
  • Patio And Porch Features: Deck
  • Pool Features: Above Ground
  • Roof: Composition, Shingle
Room Information
Room 1
  • Room Features: High Ceilings, Hardwood Floors
  • Room Type: Living Room
  • Room Length: 19.0
  • Room Level: First
  • Room Width: 13.0
  • Room Dimensions: 19 x 13
Room 2
  • Room Features: Chair Rail, Hardwood Floors
  • Room Type: Dining Room
  • Room Length: 13.0
  • Room Level: First
  • Room Width: 11.0
  • Room Dimensions: 13 x 11
Room 3
  • Room Features: Bookcases, Hardwood Floors
  • Room Type: Den
  • Room Length: 8.0
  • Room Level: First
  • Room Width: 8.0
  • Room Dimensions: 8 x 8
Room 4
  • Room Features: Kitchen Island, Wood Cabinets, Recessed Lighting, Hardwood Floors
  • Room Type: Kitchen
  • Room Length: 15.0
  • Room Level: First
  • Room Width: 13.0
  • Room Dimensions: 15 x 13
Room 5
  • Room Features: Hardwood Floors, Bow Window(s)
  • Room Type: Breakfast Room
  • Room Length: 17.0
  • Room Level: First
  • Room Width: 9.0
  • Room Dimensions: 17 x 9
Room 6
  • Room Features: Fireplace(s), Hardwood Floors
  • Room Type: Great Room
  • Room Length: 16.0
  • Room Level: First
  • Room Width: 14.0
  • Room Dimensions: 16 x 14
Room 7
  • Room Type: Laundry
  • Room Length: 13.0
  • Room Level: First
  • Room Width: 8.0
  • Room Dimensions: 13 x 8
Room 8
  • Room Features: Carpet Flooring, Bath Adjoins
  • Room Type: Primary Bedroom
  • Room Length: 16.0
  • Room Level: First
  • Room Width: 13.0
  • Room Dimensions: 16 x 13
Room 9
  • Room Features: Carpet Flooring
  • Room Type: Bedroom 2
  • Room Length: 16.0
  • Room Level: First
  • Room Width: 12.0
  • Room Dimensions: 16 x 12
Room 10
  • Room Features: Hardwood Floors
  • Room Type: Bedroom 3
  • Room Length: 16.0
  • Room Level: First
  • Room Width: 11.0
  • Room Dimensions: 16 x 11
Room 11
  • Room Features: Carpet Flooring
  • Room Type: Family Room
  • Room Length: 16.0
  • Room Level: Lower
  • Room Width: 14.0
  • Room Dimensions: 16 x 14
Room 12
  • Room Type: Game Room
  • Room Length: 24.0
  • Room Level: Lower
  • Room Width: 13.0
  • Room Dimensions: 24 x 13

Property History for 860 Stephens Road

DateEvent & SourcePriceAppreciation
Feb 13, 2026

Sold (Public Record)

Public Record #1928964976

$595,000
Feb 13, 2026

Sold

Northern Kentucky Multiple Listing Service #637088

$595,000
Dec 27, 2025

Contract Signed

Northern Kentucky Multiple Listing Service #637088

DateEvent & SourcePrice
02/13/2026

Sold (Public Record)

Public Record #1928964976

$595,000
02/13/2026

Sold

Northern Kentucky Multiple Listing Service #637088

$595,000
12/27/2025

Contract Signed

Northern Kentucky Multiple Listing Service #637088

For completeness, we often displays two records for one sale: the MLS record and the public record.

Public Records for 860 Stephens Road

Taxable ValueLand$30,000Additions$310,700Total$340,700
Tax Record2025$3,962 ($330 / month)
Home Facts
Beds4Baths2.5Total Finished SqFt2,831 SqFtAbove Grade Finished SqFt2,831 SqFtStories1Lot Size78,844 SqFtStyleSingle Family ResidenceYear Built1975CountyKENTONAPN047-00-00-061.01

Schools near 860 Stephens Road

This home is within Kenton County School District.
Rating
School
Type
Grades
Distance
Public - PK to 5
Public - 6 to 8
Public - 9 to 12
Public - PK to 8
Rating
School
Distance
White's Tower Elementary School
PublicPK to 5

Twenhofel Middle School
Public6 to 8

Simon Kenton High School
Public9 to 12

Summit View Academy
PublicPK to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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Nearby home values

AddressSold priceBedsBathsSqftLot (Sqft)
This home: 860 Stephens Road, Independence, KY 41051
$595,000
3
78,843
$118,000
4,800
293,028
$685,000
6
5,706
176,853
2
1
868
21,344
$119,900
4
$36,000
3
50,093

No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of any information, descriptions or measurements (including square footage measurements and property condition), such should be independently verified through appropriate means, including, but not limited to, in person inspection and public records, and Compass International Holdings, its subsidiaries, affiliates and independently owned and operated franchisees, and their affiliated agents and associated third parties expressly disclaim any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the seller's discretion. No financial or legal advice provided. Equal Housing Opportunity.

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 Compass and its related brokerages 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.