10 Waterside Way, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 10 Waterside Way, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,000 sqft · built 1965
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Owner Names on File
Last Sale	$116,760 (Sep 2004)
Tax Bill	$1,709 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-098.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-098.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	3 Stories
Building Area	1,000 sqft Finished Area

Exterior

Year Built	Built 1965
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	124 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	0453000098.00
Street Address	10 WATERSIDE WAY
City	COVINGTON
State	KY
Zip	41017-9733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD HILLS SEC 4 LOT 317
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	4
Legal Lot Number	317
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1017
Census Tract	66801

Owner

Source: Kenton County assessment roll, APN 045-30-00-098.00, as of April 1, 2025 · Last verified December 2025

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

Owner of Record	2 Owner Names on File
Mailing Address	10 WATERSIDE WAY, COVINGTON, KY 41017-9733
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2004 · Amount on Record
Deed Sale	Sep 17, 2004 · Amount on Record
Deed Document Number	0001433285
Deed Book / Page	1433 / 285
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	10 WATERSIDE WAY, COVINGTON, KY 41017-9733
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900253
Date	Mar 31, 2021
Book Page	193/492
Instrument	21033105900253

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

Tax Assessment & Valuation

Source: Kenton County assessment roll as of April 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,709.00 (-7.02%)	$172,500 (-) Land $10,000 Building $162,500	$172,500 (-) Land $10,000 Building $162,500
2023	$1,838.00	$172,500 Land $10,000 Building $162,500	$172,500 Land $10,000 Building $162,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, 385 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.