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

Kenton County property record for 117 Crystal Lake Dr, Covington, KY 41017 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 900 sqft · built 1980
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Jul 2025)
Tax Bill	$1,698 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-171.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-171.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	900 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	117 CRYSTAL LAKE DR
City	COVINGTON
State	KY
Zip	41017-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD HILLS SEC 8 LOT 182
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	8
Legal Lot Number	182
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-00-171.00

Assessment roll updated December 2, 2025 · Last verified August 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 File
Mailing Address	117 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Sep 19, 2019	Loan Modification, Mortgage · Conventional Mortgage KENTUCKY HSNG
Mar 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Prior Sale	Feb 04, 2003 · Amount on Record
Deed Document Number	202552
Deed Book / Page	355 / 290
Last Transfer Date	Aug 01, 2025
Transfer Doc	0005900029
Record Updated	Sep 20, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2025
Property Address	117 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Document Number	0005900052
Book / Page	KC 355 / 290
Map Reference	PL 511-B
Instrument Date	Jul 23, 2025
Instrument	25073105900052
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	VANTAGE POINT TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	117 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722

Mortgage

Document Number	0005900053
Date	Jul 31, 2025
Instrument	25073105900053

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2055

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	117 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Document Number	0000000146
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CRYSTAL LAKE DR COVINGTON KY 410179722, COVINGTON, KY 41017-9722

Mortgage

Document Number	0000000146
Date	Nov 18, 2019
Book Page	0I4362/000267
Instrument	146

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 2049

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	117 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Document Number	0000000144
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CRYSTAL LAKE DR COVINGTON KY 410179722, COVINGTON, KY 41017-9722

Mortgage

Document Number	0000000144
Date	Nov 18, 2019
Book Page	0I4362/000263
Instrument	144

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 17, 2034

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	117 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Document Number	0000000410
Book / Page	0I3935 / 000034
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CRYSTAL LAKE DR COVINGTON KY 410179722, COVINGTON, KY 41017-9722

Mortgage

Document Number	0000000410
Date	May 04, 2017
Book Page	0I3935/000034
Instrument	410

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 03, 2022

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026

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	$1,698.00 (-7.06%)	$171,400 (-) Land $10,000 Building $161,400	$171,400 (-) Land $10,000 Building $161,400
2023	$1,827.00	$171,400 Land $10,000 Building $161,400	$171,400 Land $10,000 Building $161,400

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 385 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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