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

Kenton County property record for 122 Crystal Lake Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 972 sqft · built 1980
Lot Size	0.401 acres (17,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Feb 2011)
Tax Bill	$1,298 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-176.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-176.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	972 sqft Finished Area

Exterior

Year Built	Built 1980
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	17,498 sqft (0.401 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Old Parcel Number	0453000176.00
Street Address	122 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 177A 0.4017 AC BEING RESUB LOTS 8-10
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	8-10
Legal Lot Number	177A
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records, as of November 27, 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 Record
Mailing Address	122 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2011 · Amount on Record
Deed Sale	Feb 9, 2011 · Amount on Record
Deed Document Number	11 02 09 059 00165
Deed Book / Page	C-4513 / 292
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	122 CRYSTAL LAKE DR, COVINGTON, KY 41017-9721
Document Number	0000000168
Book / Page	0I4013 / 000344
Instrument Date	Oct 6, 2017
Transaction Type	Mortgage
Record Updated	Oct 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 CRYSTAL LAKE DR COVINGTON KY 410179721, COVINGTON, KY 41017-9721

Mortgage

Document Number	0000000168
Date	Oct 13, 2017
Book Page	0I4013/000344
Instrument	168

Lender

Name	KEMBA CU
Type	Credit Union
Address	WEST CHESTER, OH 45069

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 12, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$1,298.00 (-8.91%) Homeowner's exemption	$180,100 (-) Land $10,000 Building $170,100	$180,100 (-) Land $10,000 Building $170,100
2023	$1,425.00 Homeowner's exemption	$180,100 Land $10,000 Building $170,100	$180,100 Land $10,000 Building $170,100

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	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 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