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

Kenton County property record for 120 Crystal Lake Dr, Covington, KY 41017 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 925 sqft · built 1980
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,132 (2025)
Deeds & Mortgages	May 2020 Mortgage May 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-174.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-174.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	925 sqft Finished Area

Exterior

Year Built	Built 1980
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	127 ft deep x 38 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0453000174.00
Street Address	120 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 176
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	8
Legal Lot Number	176
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-00-174.00

Assessment roll updated April 1, 2025 · Last verified December 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 File
Mailing Address	120 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 05, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 23, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 12, 1992
Deed Sale	Nov 12, 1992
Deed Document Number	0000003649
Record Updated	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	120 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Document Number	0000000070
Instrument Date	May 05, 2020
Transaction Type	Mortgage
Record Updated	Jul 17, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 CRYSTAL LAKE DR COVINGTON KY 410179721, COVINGTON, KY 41017-9721

Mortgage

Document Number	0000000070
Date	Jun 05, 2020
Book Page	000M53/000568
Instrument	70

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 04, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	120 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Document Number	0000000087
Instrument Date	May 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 27, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 CRYSTAL LAKE DR COVINGTON KY 410179721, COVINGTON, KY 41017-9721

Mortgage

Document Number	0000000087
Date	Jun 10, 2019
Book Page	0I4276/000001
Instrument	87

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 09, 2049

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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	$1,132.00 (-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

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	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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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