Campbell County property record for 109 Tower Pl, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,254 sqft · built 1922 |
| Lot Size | 0.55 acres (23,850 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $825,000 (Feb 2018) |
| Tax Bill | $3,091 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Nov 2025 Transfer + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-16-857.00 |
| Primary APN | 999-99-16-857.00 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,254 sqft Living Area |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1922 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 23,850 sqft (0.55 acres) |
| Lot Dimensions | 159 ft deep x 150 ft wide |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 TOWER PL |
|---|---|
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2136 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT 5 TOWER PL 150 X 159 IRREG |
| Legal Subdivision | TOWER PLACE |
| Legal Lot Number | PT 5 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 52800 |
Source: Campbell County records, as of March 9, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 23, 2025 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Nov 6, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Nov 7, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Feb 27, 2017 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK FSB |
| Jan 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Feb 14, 2018 | Warranty Deed, Transfer · ARM THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2018 · Amount on Record |
| Deed Sale | Feb 14, 2018 · Amount on Record |
| Prior Sale | Mar 17, 2006 · Amount on Record |
| Deed Document Number | 20185069503 |
| Deed Book / Page | 792 / 220 |
| Last Transfer Date | Oct 23, 2025 |
| Transfer Doc | 0006002918 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Title Company | UNKNOWN, ENT |
| Name | Verified Name |
|---|---|
| Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Document Number | 0006013070 |
|---|---|
| Date | Dec 23, 2025 |
| Book Page | M2479/369 |
| Instrument | 6013070 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 12, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Nov 6, 2025 |
| Property Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Document Number | 0006002918 |
| Book / Page | D878 / 472 |
| Map Reference | MB 56 PG 121 |
| Instrument Date | Oct 23, 2025 |
| Instrument | 6002918 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11 GREENE ST, FORT THOMAS, KY 41075-2314 |
| Name | Verified Name |
|---|---|
| Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Document Number | 0005161755 |
|---|---|
| Date | Nov 7, 2022 |
| Book Page | M2363/770 |
| Instrument | 5161755 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005052913 |
|---|---|
| Date | Feb 27, 2017 |
| Book Page | M2101/482 |
| Instrument | 5052913 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005123854 |
|---|---|
| Date | Jan 6, 2021 |
| Book Page | M2261/757 |
| Instrument | 5123854 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Feb 14, 2018 |
| Property Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Document Number | 0005069503 |
| Book / Page | D792 / 220 |
| Map Reference | DD 56 PG 121 |
| Instrument Date | Feb 12, 2018 |
| Instrument | 5069503 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 508 S GRAND AVE, 508, FORT THOMAS, KY 41075-2123 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 109 TOWER PL, FORT THOMAS, KY 41075-2136 |
| Document Number | 0005069505 |
|---|---|
| Date | Feb 14, 2018 |
| Book Page | M2136/833 |
| Instrument | 5069505 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Type Change Date | Mar 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.75% |
| Index | 1-Year LIBOR |
| Max Rate | 8.75% |
Source: Campbell County assessment roll, as of March 9, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Fort Thomas City |
| Unified School District | Fort Thomas Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,091.00 (-4.16%) | $837,700 (-) Land $87,700 Building $750,000 | $837,700 (-) Land $87,700 Building $750,000 |
| 2024 | $3,225.00 (-2.51%) | $837,700 (-) Land $87,700 Building $750,000 | $837,700 (-) Land $87,700 Building $750,000 |
| 2023 | $3,308.00 (-2.48%) | $837,700 (-) Land $87,700 Building $750,000 | $837,700 (-) Land $87,700 Building $750,000 |
| 2022 | $3,392.00 | $837,700 Land $87,700 Building $750,000 | $837,700 Land $87,700 Building $750,000 |
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 August 24, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 95% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 384 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 |
| AT&T Fixed Wireless | 100 / 20 |
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