10 Oak St, Fort Mitchell (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 10 Oak St, Fort Mitchell, KY 41017

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 957 sqft · built 1930
Lot Size	0.229 acres (10,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Aug 2020)
Tax Bill	$738 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`028-40-05-101.00`

Property Details

APN / Parcel Number

Primary APN	`028-40-05-101.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	957 sqft Finished Area
Gross Area	1,105 sqft

Exterior

Year Built	Built 1930
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	200 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0284005101.00
Street Address	10 OAK ST
City	FT MITCHELL
State	KY
Zip	41017-2946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND PK LD CO FRONT 50'X 200' LOT 72
Legal Subdivision	HIGHLAND PARK LAND CO
Legal Lot Number	72
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	64700

Owner

Source: Kenton County records, as of November 27, 2025

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 OAK ST, FT MITCHELL, KY 41017-2946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Conventional with PMI HEARTLAND BK
Aug 27, 2020	Warranty Deed, Transfer · Conventional with PMI HEARTLAND BK
Jul 3, 2019	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2020 · Amount on Record
Deed Sale	Aug 27, 2020 · Amount on Record
Prior Sale	Jul 3, 2019 · Amount on Record
Deed Document Number	0000040138
Deed Book / Page	40 / 138
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	10 OAK ST, FT MITCHELL, KY 41017-2946
Document Number	000M890524
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10 OAK ST FORT MITCHELL KY 410172946, FORT MITCHELL, KY 41017-2946

Mortgage

Document Number	000M890524
Date	Aug 27, 2020
Book Page	000M89/000524

Lender

Name	HEARTLAND BK
Type	Bank
Address	WHITEHALL, OH 43213

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 27, 2020
Property Address	10 OAK ST, FT MITCHELL, KY 41017-2946
Document Number	0000400138
Book / Page	000040 / 000138
Instrument Date	Aug 21, 2020
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGCY LTD

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10 OAK ST FORT MITCHELL KY 410172946, FORT MITCHELL, KY 41017-2946

Mortgage

Document Number	M890524
Date	Aug 27, 2020
Book Page	000M89/000524

Lender

Name	HEARTLAND BK
Type	Bank
Address	WHITEHALL, OH 43213

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 26, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 3, 2019
Property Address	10 OAK ST, FT MITCHELL, KY 41017-2946
Document Number	0000000348
Book / Page	0C6697 / 000020
Instrument Date	May 21, 2019
Instrument	348
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$132.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 GREENBRIAR AVE FORT MITCHELL KY 410172721, FORT MITCHELL, KY 41017-2721

Mortgage

Document Number	350
Date	Jul 3, 2019
Book Page	0C6697/000023
Instrument	350

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$738.00 (-8.09%)	$197,500 (-) Land $60,000 Building $137,500	$197,500 (-) Land $60,000 Building $137,500
2023	$803.00	$197,500 Land $60,000 Building $137,500	$197,500 Land $60,000 Building $137,500

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 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 513 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

May also be available: T-Mobile.

Nearby Properties on Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures