108 Horizon Cir, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 108 Horizon Cir, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 864 sqft · built 1980
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$146,000 (Dec 2019)
Tax Bill	$1,808 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-365.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-365.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	864 sqft Finished Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	108 HORIZON CIR
City	COVINGTON
State	KY
Zip	41017-9767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD HILLS PHASE B PT 2B LOT 412
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	2B
Legal Lot Number	412
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1021
Census Tract	66801

Owner

108 Horizon Cir is owned and occupied by an individual who bought it in December 2019.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	108 HORIZON CIR, COVINGTON, KY 41017-9767
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2019 · Amount on File
Deed Sale	Dec 26, 2019 · Amount on File
Prior Sale	Sep 23, 2003 · Amount on File
Deed Document Number	201912 26 059 00373
Deed Book / Page	4385 / 163
Record Updated	Oct 29, 2026

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 26, 2019
Property Address	108 HORIZON CIR, COVINGTON, KY 41017-9767
Document Number	0000000373
Book / Page	0I4385 / 000163
Instrument Date	Dec 20, 2019
Instrument	373
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 HORIZON CIR COVINGTON KY 410179767, COVINGTON, KY 41017-9767

Mortgage

Document Number	375
Date	Dec 26, 2019
Book Page	0I4385/000166
Instrument	375

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 108 Horizon Cir was $1,808.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,500 (-) Land $20,000 Building $162,500	$182,500 (-) Land $20,000 Building $162,500
2025	$1,808.00	$182,500 Land $10,000 Building $172,500	$182,500 Land $10,000 Building $172,500
2023	$1,945.00	$182,500 Land $10,000 Building $172,500	$182,500 Land $10,000 Building $172,500

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

Flood

FEMA maps place 108 Horizon Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 108 Horizon Cir is low, with a 0.01% annual chance of 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
Adjoins Burnable Land	Yes

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 320 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