Kenton County property record for 115 Tando Way, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 884 sqft · built 1972 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $132,000 (Apr 2018) |
| Tax Bill | $1,791 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-340.00 |
| Primary APN | 045-30-00-340.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 884 sqft Finished Area |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 115 TANDO WAY |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9797 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAHAMA GARDENS SEC 3 LOT 108 |
| Legal Subdivision | BAHAMA GARDENS |
| Legal Phase | 3 |
| Legal Lot Number | 108 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1026 |
| 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 | 115 TANDO WAY, FT MITCHELL, KY 41017-9797 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Apr 5, 2018 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 5, 2018 · Amount on Record |
| Deed Sale | Apr 5, 2018 · Amount on Record |
| Prior Sale | Mar 5, 2015 · Amount on Record |
| Deed Document Number | 201804 05 059 00229 |
| Deed Book / Page | 4089 / 162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 115 TANDO WAY, COVINGTON, KY 41017-9797 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900264 |
|---|---|
| Date | Sep 14, 2022 |
| Book Page | 407/39 |
| Instrument | 22091405900264 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 5, 2018 |
| Property Address | 115 TANDO WAY, COVINGTON, KY 41017-9797 |
| Document Number | 0000000229 |
| Book / Page | 0I4089 / 000162 |
| Instrument Date | Mar 28, 2018 |
| Instrument | 229 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2018 |
| Title Company | LAWYERS TITLE/CINCINNATI INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 115 TANDO WAY COVINGTON KY 410179797, COVINGTON, KY 41017-9797 |
| Document Number | 230 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 0I4089/000165 |
| Instrument | 230 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 4, 2048 |
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 | $235,900 (+30.48%) Land $20,000 Building $215,900 | $235,900 (+30.48%) Land $20,000 Building $215,900 | |
| 2025 | $1,791.00 (-7.06%) | $180,800 (-) Land $10,000 Building $170,800 | $180,800 (-) Land $10,000 Building $170,800 |
| 2023 | $1,927.00 | $180,800 Land $10,000 Building $170,800 | $180,800 Land $10,000 Building $170,800 |
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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