Kenton County property record for 118 Crystal Lake Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 900 sqft · built 1975 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,132 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-172.00 |
| Primary APN | 045-30-00-172.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 900 sqft Finished Area |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Block |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 0453000172.00 |
|---|---|
| Street Address | 118 CRYSTAL LAKE DR |
| City | COVINGTON |
| State | KY |
| Zip | 41017-9721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 8 LOT 175 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 8 |
| Legal Lot Number | 175 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66801 |
Source: Kenton County records, as of November 27, 2025
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 | 118 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 1979 |
| Deed Sale | Sep 10, 1979 |
| Deed Document Number | 0000232213 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 118 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721 |
| Transaction Type | Mortgage |
| Record Updated | Dec 9, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0005900097 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 307/367 |
| Instrument | 21112905900097 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Sep 1, 2041 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $1,132.00 (-9.22%) Homeowner's exemption | $163,400 (-) Land $10,000 Building $153,400 | $163,400 (-) Land $10,000 Building $153,400 |
| 2023 | $1,247.00 Homeowner's exemption | $163,400 Land $10,000 Building $153,400 | $163,400 Land $10,000 Building $153,400 |
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 | 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 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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