10 E Orchard Rd, Fort Mitchell (Covington), KY 41011 Property Records

Kenton County property record for 10 E Orchard Rd, Fort Mitchell, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,566 sqft · built 1932
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Nov 2025)
Tax Bill	$882 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027-40-15-003.00`

Property Details

APN / Parcel Number

Primary APN	`027-40-15-003.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	1,566 sqft Finished Area
Gross Area	1,860 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10 E ORCHARD RD
City	FT MITCHELL
State	KY
Zip	41011-2632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST FT MITCHELL BLK B LOT 27 & PT 28 0.215 AC NES EAST ORCHARD RD FKA HWY DEPT PARCELS 58X & 56X
Legal Subdivision	EAST FT MITCHELL
Legal Phase	B
Legal Block	B
Legal Lot Number	27,28
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3011
Census Tract	64800

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	2 Individual Names on Record
Mailing Address	10 E ORCHARD RD, FT MITCHELL, KY 41011-2632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Sep 29, 2015 · Amount on Record
Deed Document Number	202569
Deed Book / Page	374 / 82
Prior Transfer Date	Mar 18, 2013
Prior Transfer Doc	0005900045
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 13, 2025
Property Address	10 E ORCHARD RD, FT MITCHELL, KY 41011-2632
Document Number	0005900069
Book / Page	KC 374 / 82
Map Reference	MB 442
Instrument Date	Nov 7, 2025
Instrument	25111305900069
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMER HOMELAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53 PLEASANT RIDGE AVE, FT MITCHELL, KY 41017-2811

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 E ORCHARD RD, FT MITCHELL, KY 41011-2632

Mortgage

Document Number	0005900070
Date	Nov 13, 2025
Instrument	25111305900070

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Mitchell City
Unified School District	Beechwood Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$310,000 (+31.36%) Land $45,000 Building $265,000	$310,000 (+31.36%) Land $45,000 Building $265,000
2025	$882.00 (-8.13%)	$236,000 (-) Land $45,000 Building $191,000	$236,000 (-) Land $45,000 Building $191,000
2023	$960.00	$236,000 Land $45,000 Building $191,000	$236,000 Land $45,000 Building $191,000

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

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 223 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20