Kenton County property record for 12 Ferndale Ct, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 864 sqft · built 1997 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Mar 2021) |
| Tax Bill | $1,585 (2025) |
| Deeds & Mortgages | Apr 2021 Transfer Mar 2021 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-40-00-035.00 |
| Primary APN | 045-40-00-035.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 864 sqft Finished Area |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 12 FERNDALE CT |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S LAKEWOOD HILLS PHASE B PT 1 LOT 35 |
| Legal Subdivision | SOUTH LAKEWOOD HILLS |
| Legal Phase | 1 |
| Legal Lot Number | 35 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 66801 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 12 FERNDALE CT, FT MITCHELL, KY 41017-9401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2021 | Intrafamily Transfer, Transfer AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Mar 22, 2021 | Quit Claim Deed, Transfer AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Mar 5, 2021 | Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD |
| Jul 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage KENTUCKY HSNG |
| Dec 8, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 22, 2021 · Amount on Record |
| Deed Sale | Mar 22, 2021 · Amount on Record |
| Prior Sale | Mar 5, 2021 · Amount on Record |
| Deed Document Number | 20215900002 |
| Deed Book / Page | 78 / 882 |
| Prior Transfer Date | Mar 4, 2021 |
| Prior Transfer Doc | 0000000002 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 29, 2021 |
| Property Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Number | 0005900230 |
| Book / Page | 87 / 494 |
| Map Reference | MB 21 PG 116 |
| Instrument Date | Apr 20, 2021 |
| Instrument | 21042905900230 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 955 ELLISTON MOUNT ZION RD, DRY RIDGE, KY 41035-7708 |
| Name | Verified Name |
|---|---|
| Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 22, 2021 |
| Property Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Number | 0005900002 |
| Book / Page | 78 / 882 |
| Map Reference | MB 21 PG 116 SL B626 |
| Instrument Date | Mar 4, 2021 |
| Instrument | 21032205900002 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Name | Verified Name |
|---|---|
| Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 5, 2021 |
| Property Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Number | 0005900248 |
| Book / Page | 76 / 109 |
| Map Reference | MB 21 PG 116 |
| Instrument Date | Mar 3, 2021 |
| Instrument | 21030505900248 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 FENAW CT, COVINGTON, KY 41017 |
| Name | Verified Name |
|---|---|
| Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Number | 0005900249 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 21030505900249 |
| Name | AMCAP MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 30, 2018 |
| Property Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Number | 0000000097 |
| Book / Page | 0I4140 / 000136 |
| Instrument Date | Jul 25, 2018 |
| Instrument | 97 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $134.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12 FERNDALE CT FORT MITCHELL KY 410179401, FORT MITCHELL, KY 41017-9401 |
| Document Number | 102 |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 0I4140/000155 |
| Instrument | 102 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jul 29, 2028 |
| Rate | 12% |
|---|
| Document Number | 100, |
|---|---|
| Date | Jul 30, 2018 |
| Book Page | 0I4140/000139 |
| Instrument | 100 |
| Name | UNION HM MTG CORP |
|---|---|
| Address | STRONGSVILLE, OH 44136 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 29, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 12 FERNDALE CT, COVINGTON, KY 41017-9401 |
| Document Number | 0000000177 |
| Instrument Date | Dec 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 FERNDALE CT FORT MITCHELL KY 410179401, FORT MITCHELL, KY 41017-9401 |
| Document Number | 0000000177 |
|---|---|
| Date | Dec 18, 2017 |
| Book Page | 0I4043/000336 |
| Instrument | 177 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 17, 2032 |
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 | $177,400 (+10.88%) Land $20,000 Building $157,400 | $177,400 (+10.88%) Land $20,000 Building $157,400 | |
| 2025 | $1,585.00 (-7.04%) | $160,000 (-) Land $15,000 Building $145,000 | $160,000 (-) Land $15,000 Building $145,000 |
| 2023 | $1,705.00 | $160,000 Land $15,000 Building $145,000 | $160,000 Land $15,000 Building $145,000 |
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 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.
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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