Kenton County property record for 11 Ferndale Ct, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,726 sqft · built 1978 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $225,000 (Nov 2021) |
| Tax Bill | $2,229 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jun 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-40-00-049.00 |
| Primary APN | 045-40-00-049.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,726 sqft Finished Area |
| Gross Area | 2,112 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 114 ft deep x 97 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 11 FERNDALE CT |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S LAKEWOOD HILLS PHASE B PT 1 LOT 49 |
| Legal Subdivision | SOUTH LAKEWOOD HILLS |
| Legal Phase | 1 |
| Legal Lot Number | 49 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 66801 |
11 Ferndale Ct is owned and occupied by an individual who bought it in November 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11 FERNDALE CT, FT MITCHELL, KY 41017-9402 |
| 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.
| Date | Document |
|---|---|
| Nov 4, 2021 | Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC |
| Jun 29, 2020 | Deed of Trust, Mortgage GUARANTEED RATE |
| May 7, 2019 | Warranty Deed, Transfer · Line of Credit KENTUCKY HSNG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 4, 2021 · Amount on File |
| Deed Sale | Nov 4, 2021 · Amount on File |
| Prior Sale | May 7, 2019 · Amount on File |
| Deed Document Number | 202156 |
| Deed Book / Page | 128 / 938 |
| Prior Transfer Date | Feb 10, 2006 |
| Prior Transfer Doc | 0005900209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 4, 2021 |
| Property Address | 11 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0005900056 |
| Book / Page | 128 / 938 |
| Map Reference | MB 21 PG 116 |
| Instrument Date | Oct 27, 2021 |
| Instrument | 21110405900056 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5241 SPRINGPORT RD, 5241, JACKSON, MI 49201-9057 |
| Name | Verified Name |
|---|---|
| Address | 11 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0005900057 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 296/253 |
| Instrument | 21110405900057 |
| Name | NATIONS RELIABLE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 11 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0000000096 |
| Instrument Date | Jun 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 11 FERNDALE CT COVINGTON KY 410179402, COVINGTON, KY 41017-9402 |
| Document Number | 0000000096 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 000M67/000333 |
| Instrument | 96 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Jul 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 7, 2019 |
| Property Address | 11 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0000000181 |
| Book / Page | 0I4259 / 000081 |
| Instrument Date | May 3, 2019 |
| Instrument | 181 |
| Transaction Type | Transfer |
| Record Updated | May 21, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 FERNDALE CT COVINGTON KY 410179402, COVINGTON, KY 41017-9402 |
| Document Number | 271 |
|---|---|
| Date | May 7, 2019 |
| Book Page | 0I4259/000174 |
| Instrument | 271 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 6, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 12% |
| Document Number | 270, |
|---|---|
| Date | May 7, 2019 |
| Book Page | 0I4259/000158 |
| Instrument | 270 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | May 6, 2049 |
The 2025 property tax bill for 11 Ferndale Ct was $2,229.
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 | $225,000 (-) Land $20,000 Building $205,000 | $225,000 (-) Land $20,000 Building $205,000 | |
| 2025 | $2,229.00 | $225,000 Land $15,000 Building $210,000 | $225,000 Land $15,000 Building $210,000 |
| 2023 | $2,398.00 | $225,000 Land $15,000 Building $210,000 | $225,000 Land $15,000 Building $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 Ferndale Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · 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 Policies | 1 in force |
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.
Wildfire risk around 11 Ferndale Ct 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 | Direct burnable vegetation |
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 188 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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