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

Kenton County property record for 109 Crystal Lake Dr, Covington, KY 41017 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Architecture Style	Split Level
Year Built	Built 1979
Square Footage	902 sqft Finished Area
Lot Size	10,890 sqft (0.25 acres)
Occupancy	Owner Occupied
Tax Bill	$2,036.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`045-30-00-163.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	902 sqft Finished Area
Stories	3 Stories

Exterior

Year Built	Built 1979
Architectural Style	Split Level Style
Exterior Material	Aluminum/Vinyl Exterior
Foundation Type	Block Foundation
Lot Area	10,890 sqft (0.25 acres)

Utilities and HVAC

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

Location & Zoning

Old Parcel Number	0453000163.00
Street Address	109 CRYSTAL LAKE DR
City	COVINGTON
State	KY
Zip	41017-9722
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LAKEWOOD HILLS SEC 8 LOT 186
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	8
Legal Lot Number	186
Jurisdiction	KENTON KY
Minor Civil Division	INDEPENDENCE
Census Blockgroup	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-00-163.00

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	109 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2022	Warranty Deed, Transfer · Conventional Mortgage HEARTLAND BANK
May 30, 2018	Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HSNG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 27, 2022
Deed Sale	Apr 27, 2022
Prior Sale	Dec 04, 2014 · Amount on Record
Deed Doc Number	0000016213
Deed Book / Page	I4112 / 158
Prior Transfer Date	May 30, 2018
Prior Transfer Doc	18 05 30 059 00232
Record Refreshed	Jun 08, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 27, 2022
Property Address	109 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Document Number	0005900084
Book / Page	162 / 13
Map Reference	MB 21 PG 1
Instrument Date	Apr 21, 2022
Instrument	22042705900084
Transaction Type	Transfer
Record Updated	May 11, 2022
Title Company	HOMESTEAD TITLE AGENCY LP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$205.50
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1251 TRACTION RD, 1251, BATAVIA, OH 45103-2402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722

Mortgage

Document Number	0005900085
Date	Apr 27, 2022
Book Page	364/850
Instrument	22042705900085

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 30, 2018
Property Address	109 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Document Number	0000000232
Book / Page	0I4112 / 000158
Instrument Date	May 15, 2018
Instrument	232
Transaction Type	Transfer
Record Updated	Jun 20, 2018
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 CRYSTAL LAKE DR COVINGTON KY 410179722, COVINGTON, KY 41017-9722

Mortgage

Document Number	234
Date	May 30, 2018
Book Page	0I4112/000176
Instrument	234

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 29, 2028

Mortgage

Document Number	233,
Date	May 30, 2018
Book Page	0I4112/000162
Instrument	233

Lender

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

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2048

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	$2,036.00 (-7.03%)	$205,500 (-) Land $10,000 Building $195,500	$205,500 (-) Land $10,000 Building $195,500
2023	$2,190.00	$205,500 Land $10,000 Building $195,500	$205,500 Land $10,000 Building $195,500

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

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

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Crystal Lake Dr

Nearby Streets

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