12 Waterside Way, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 12 Waterside Way, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 970 sqft · built 1978
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$116,000 (Jun 2004)
Tax Bill	$1,786 (2025)
Deeds & Mortgages	Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-099.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-099.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	970 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	126 ft deep x 86 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	12 WATERSIDE WAY
City	COVINGTON
State	KY
Zip	41017-9733
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD HILLS SEC 4 LOT 316
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	4
Legal Lot Number	316
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1017
Census Tract	66801

Owner

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	Individual Name on Record
Mailing Address	12 WATERSIDE WAY, COVINGTON, KY 41017-9733
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2004 · Amount on Record
Deed Sale	Jun 29, 2004 · Amount on Record
Prior Sale	May 30, 1997 · Amount on Record
Deed Document Number	200406 29 059 00294
Deed Book / Page	1366 / 261
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	12 WATERSIDE WAY, COVINGTON, KY 41017-9733
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 WATERSIDE WAY, COVINGTON, KY 41017-9733

Mortgage

Document Number	0000004107
Date	Mar 2, 2026
Book Page	392/941
Instrument	26059000004107

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$195,500 (+8.43%) Land $20,000 Building $175,500	$195,500 (+8.43%) Land $20,000 Building $175,500
2025	$1,786.00 (-7.08%)	$180,300 (-) Land $10,000 Building $170,300	$180,300 (-) Land $10,000 Building $170,300
2023	$1,922.00	$180,300 Land $10,000 Building $170,300	$180,300 Land $10,000 Building $170,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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