Kenton County property record for 106 Crystal Lake Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 960 sqft · built 1980 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $253,400 (Feb 2024) |
| Tax Bill | $2,511 (2025) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Sep 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-160.00 |
| Primary APN | 045-30-00-160.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 135 ft deep x 68 ft wide |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Old Parcel Number | 0453000160.00 |
|---|---|
| Street Address | 106 CRYSTAL LAKE DR |
| City | COVINGTON |
| State | KY |
| Zip | 41017-9721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 8 LOT 169 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 8 |
| Legal Lot Number | 169 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66801 |
Source: Kenton County assessment roll, as of April 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2024 | Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Sep 27, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Feb 21, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK |
| Sep 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 15, 2024 · Amount on Record |
| Deed Sale | Feb 15, 2024 · Amount on Record |
| Prior Sale | May 3, 1999 · Amount on Record |
| Deed Document Number | 0000269947 |
| Deed Book / Page | 269 / 947 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 15, 2024 |
| Property Address | 106 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Document Number | 0005900002 |
| Book / Page | KC 269 / 947 |
| Map Reference | MB 21 PG 1 SL B-511 |
| Instrument Date | Feb 13, 2024 |
| Instrument | 24021505900002 |
| Transaction Type | Transfer |
| Record Updated | Feb 23, 2024 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 KLEE RD, FALMOUTH, KY 41040-7654 |
| Name | Verified Name |
|---|---|
| Address | 106 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Document Number | 0005900003 |
|---|---|
| Date | Feb 15, 2024 |
| Book Page | KCM 526/495 |
| Instrument | 24021505900003 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 106 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 106 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Document Number | 0005900133 |
|---|---|
| Date | Sep 27, 2023 |
| Book Page | KCM 495/218 |
| Instrument | 23092705900133 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 25, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 106 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Document Number | 0000000052 |
| Instrument Date | Feb 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 106 CRYSTAL LAKE DR COVINGTON KY 410179721, COVINGTON, KY 41017-9721 |
| Document Number | 0000000052 |
|---|---|
| Date | Mar 14, 2019 |
| Book Page | 0I4236/000157 |
| Instrument | 52 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 13, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 106 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Document Number | 0000000184 |
| Instrument Date | Sep 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 106 CRYSTAL LAKE DR COVINGTON KY 410179721, COVINGTON, KY 41017-9721 |
| Document Number | 0000000184 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | ORI400/000065 |
| Instrument | 184 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
Source: Kenton County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,511.00 (+76.33%) | $253,400 (+40.78%) Land $10,000 Building $243,400 | $253,400 (+40.78%) Land $10,000 Building $243,400 |
| 2023 | $1,424.00 Homeowner's exemption | $180,000 Land $10,000 Building $170,000 | $180,000 Land $10,000 Building $170,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Direct burnable vegetation at the parcel |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 locations within half a mile, as of December 31, 2025
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures