Kenton County property record for 109 Tando Way, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 864 sqft · built 1975 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $90,000 (May 2002) |
| Tax Bill | $1,614 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-334.00 |
| Primary APN | 045-30-00-334.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 864 sqft Finished Area |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| 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 |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 109 TANDO WAY |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9748 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAHAMA GARDENS SEC 3 LOT 105 |
| Legal Subdivision | BAHAMA GARDENS |
| Legal Phase | 3 |
| Legal Lot Number | 105 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 66801 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 109 TANDO WAY, FT MITCHELL, KY 41017-9748 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2002 · Amount on Record |
| Deed Sale | May 8, 2002 · Amount on Record |
| Prior Sale | Jan 4, 2002 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 109 TANDO WAY, COVINGTON, KY 41017-9748 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900350 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 314/79 |
| Instrument | 21121305900350 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 181 Months |
| Due | Jan 1, 2037 |
Source: Kenton County assessment roll, as of December 2, 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 |
|---|---|---|---|
| 2026 | $177,400 (+8.9%) Land $20,000 Building $157,400 | $177,400 (+8.9%) Land $20,000 Building $157,400 | |
| 2025 | $1,614.00 (-7.03%) | $162,900 (-) Land $10,000 Building $152,900 | $162,900 (-) Land $10,000 Building $152,900 |
| 2023 | $1,736.00 | $162,900 Land $10,000 Building $152,900 | $162,900 Land $10,000 Building $152,900 |
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 | 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.
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) |
|---|---|
| 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 |
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