1 Ridgeport Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 1 Ridgeport Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,790 sqft · built 1996
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (May 2026)
Tax Bill	$2,105 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-00-00-018.01`

Property Details

APN / Parcel Number

Primary APN	`045-00-00-018.01`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,790 sqft Finished Area
Gross Area	2,474 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1 RIDGEPORT DR
City	COVINGTON
State	KY
Zip	41017-9742
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGEPORT LOT 2 & N 15' LOT 1
Legal Subdivision	RIDGEPORT
Legal Lot Number	2,1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3002
Census Tract	65300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1 RIDGEPORT DR, COVINGTON, KY 41017-9742
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
May 12, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 12, 2026 · Amount on Record
Deed Sale	May 12, 2026 · Amount on Record
Prior Sale	May 6, 2015 · Amount on Record
Deed Document Number	202605129810
Deed Book / Page	429 / 858
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1 RIDGEPORT DR, COVINGTON, KY 41017-9742
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900015
Date	Dec 10, 2021
Book Page	313/187
Instrument	21121005900015

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1 RIDGEPORT DR, COVINGTON, KY 41017-9742
Transaction Type	Mortgage
Record Updated	Jun 17, 2026
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900083
Date	Nov 26, 2025
Book Page	KCM 710/683
Instrument	25112605900083

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Dec 1, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 12, 2026
Property Address	1 RIDGEPORT DR, COVINGTON, KY 41017-9742
Document Number	0000009810
Book / Page	429 / 858
Instrument Date	May 6, 2026
Instrument	20269810
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	360 AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,310.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1 RIDGEPORT DR, COVINGTON, KY 41017-9742
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009811,
Date	May 12, 2026
Instrument	202605129811

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$212,500 (-) Land $20,000 Building $192,500	$212,500 (-) Land $20,000 Building $192,500
2025	$2,105.00 (-7.06%)	$212,500 (-) Land $15,000 Building $197,500	$212,500 (-) Land $15,000 Building $197,500
2023	$2,265.00	$212,500 Land $15,000 Building $197,500	$212,500 Land $15,000 Building $197,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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