121 Delta Ave, Fort Thomas, KY 41075 Property Records

Campbell County property record for 121 Delta Ave, Fort Thomas, KY 41075

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,404 sqft · built 1910
Lot Size	0.22 acres (9,432 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Aug 2023)
Tax Bill	$774 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-13-335.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-13-335.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,404 sqft Living Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,432 sqft (0.22 acres)
Lot Dimensions	131 ft deep x 72 ft wide
Terrain	Combination

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	121 DELTA AVE
City	FORT THOMAS
State	KY
Zip	41075-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14 PT 15 COTTAGE HILL 72 X 131 IRREG
Legal Subdivision	COTTAGE HILL
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	2
Census Block	2003
Census Tract	52800

Owner

Source: Campbell County records, as of October 5, 2026

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	121 DELTA AVE, FORT THOMAS, KY 41075-2333
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Aug 3, 2023	Intrafamily Transfer, Transfer
Jun 28, 2023	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on Record
Deed Sale	Aug 3, 2023 · Amount on Record
Prior Sale	Jun 28, 2023 · Amount on Record
Deed Document Number	20235186099
Deed Book / Page	853 / 329
Prior Transfer Date	Aug 2, 2023
Prior Transfer Doc	0005186099
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Recording Date	Sep 22, 2026
Property Address	121 DELTA AVE, FORT THOMAS, KY 41075-2333
Document Number	0006260542
Book / Page	2511 / 437
Instrument Date	Aug 6, 2026
Instrument	20266260542
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 DELTA AVE, FORT THOMAS, KY 41075-2333

Mortgage

Document Number	0006260542,
Date	Sep 22, 2026
Book Page	2511/437
Instrument	20266260542

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Aug 1, 2066

Interest

Max Rate	-1%

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAMPBELL KY
Recording Date	Aug 3, 2023
Property Address	121 DELTA AVE, FORT THOMAS, KY 41075-2333
Document Number	0005186099
Book / Page	D853 / 329
Instrument Date	Aug 2, 2023
Instrument	5186099
Transaction Type	Transfer
Record Updated	Aug 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	121 DELTA AVE, FORT THOMAS, KY 41075-2333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 DELTA AVE, FORT THOMAS, KY 41075-2333

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAMPBELL KY
Recording Date	Jun 28, 2023
Property Address	121 DELTA AVE, FORT THOMAS, KY 41075-2333
Document Number	0005180222
Book / Page	D852 / 204
Instrument Date	Jun 26, 2023
Instrument	5180222
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	424 DICK COMBS DR, EDGEWOOD, KY 41018-3061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 DELTA AVE, FORT THOMAS, KY 41075-2333

Mortgage

Document Number	0005180226
Date	Jun 28, 2023
Instrument	5180226

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of March 9, 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Fort Thomas City
Unified School District	Fort Thomas Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$774.00 (+64.68%)	$210,000 (+26.96%) Land $25,000 Building $185,000	$210,000 (+26.96%) Land $25,000 Building $185,000
2023	$470.00 (-6.93%) Homeowner's exemption	$165,400 (-) Land $25,000 Building $140,400	$165,400 (-) Land $25,000 Building $140,400
2022	$505.00 Homeowner's exemption	$165,400 Land $25,000 Building $140,400	$165,400 Land $25,000 Building $140,400

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 August 24, 2021 · 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 Claims	1 (1997)
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	Under 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.

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 76 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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