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

Kenton County property record for 121 Crystal Lake Dr, Covington, KY 41017 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 900 sqft · built 1975
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Aug 2021)
Tax Bill	$1,907 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-175.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-175.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	900 sqft Finished Area

Exterior

Year Built	Built 1975
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	293 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0453000175.00
Street Address	121 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 180
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	8
Legal Lot Number	180
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-00-175.00

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	121 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2021	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Aug 23, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 23, 2021 · Amount on Record
Deed Sale	Aug 23, 2021 · Amount on Record
Prior Sale	Jul 05, 2000 · Amount on Record
Deed Document Number	0000112860
Deed Book / Page	112 / 860
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	121 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Transaction Type	Mortgage
Record Updated	Sep 09, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722

Mortgage

Document Number	0005900056
Date	Aug 31, 2021
Book Page	265/59
Instrument	21083105900056

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Jun 13, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 23, 2021
Property Address	121 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722
Document Number	0005900118
Book / Page	112 / 860
Map Reference	MB 21 PG 1
Instrument Date	Aug 13, 2021
Instrument	21082305900118
Transaction Type	Transfer
Record Updated	Sep 06, 2021
Title Company	NORTHWEST TTL FAM OF COMPANI

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	3137 BERNARD DR, 3137, EDGEWOOD, KY 41017-2603

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	121 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722

Mortgage

Document Number	0005900119
Date	Aug 23, 2021
Book Page	260/573
Instrument	21082305900119

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

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	$1,907.00 (-7.07%)	$192,500 (-) Land $10,000 Building $182,500	$192,500 (-) Land $10,000 Building $182,500
2023	$2,052.00	$192,500 Land $10,000 Building $182,500	$192,500 Land $10,000 Building $182,500

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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