108 Crystal Lake Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 108 Crystal Lake Dr, Covington, KY 41017 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 900 sqft · built 1979
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Tax Bill	$2,228 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-162.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-162.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	900 sqft Finished Area

Exterior

Year Built	Built 1979
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	135 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	0453000162.00
Street Address	108 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 170
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	8
Legal Lot Number	170
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-00-162.00

Assessment roll updated 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	Individual Name on File
Mailing Address	108 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2023	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC
Mar 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 21, 2023
Deed Sale	Mar 21, 2023
Deed Document Number	0000218722
Prior Transfer Date	Oct 03, 1994
Record Updated	Jun 08, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	108 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Transaction Type	Mortgage
Record Updated	Apr 03, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900123
Date	Mar 21, 2023
Book Page	KCM 447/793
Instrument	23032105900123

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	108 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Document Number	0000000001
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	PERFORMANCE TITLE AGENCY, PERFORMANCE TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 CRYSTAL LAKE DR COVINGTON KY 410179721, COVINGTON, KY 41017-9721

Mortgage

Document Number	0000000001
Date	Apr 13, 2020
Book Page	000M31/000033
Instrument	1

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated 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	$2,228.00 (+67.39%)	$224,900 (+31.29%) Land $10,000 Building $214,900	$224,900 (+31.29%) Land $10,000 Building $214,900
2023	$1,331.00 Disabled Person's exemption	$171,300 Land $10,000 Building $161,300	$171,300 Land $10,000 Building $161,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 385 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Crystal Lake Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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