1226 Upland Ave, Fort Wright (Covington), KY 41011 Property Records

Kenton County property record for 1226 Upland Ave, Fort Wright, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 2,354 sqft · built 2010
Lot Size	1.32 acres (57,499 sqft)
Owner	2 Trust Names on File
Last Sale	$535,000 (Oct 2023)
Tax Bill	$4,815 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-40-52-001.00`

Property Details

APN / Parcel Number

Primary APN	`041-40-52-001.00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,354 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	57,499 sqft (1.32 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	1226 UPLAND AVE
City	COVINGTON
State	KY
Zip	41011-3756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH HILLS RESUB LOT 1 1.32 ACS
Legal Subdivision	SOUTH HILLS
Legal Phase	251
Legal Lot Number	1
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	65200

Owner

1226 Upland Ave is owner-occupied and held in a trust since October 2023.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1226 UPLAND AVE, COVINGTON, KY 41011-3756
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Deed Document Number	202325
Deed Book / Page	252 / 697
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 18, 2023
Property Address	1226 UPLAND AVE, COVINGTON, KY 41011-3756
Document Number	0005900025
Book / Page	KC 252 / 697
Map Reference	PL 471 SL 2087
Instrument Date	Oct 9, 2023
Instrument	23101805900025
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY

Transaction

Amount	Amount on Record
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	1226 UPLAND AVE, COVINGTON, KY 41011-3756

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1226 UPLAND AVE, COVINGTON, KY 41011-3756

Mortgage

Document Number	0005900026
Date	Oct 18, 2023
Instrument	23101905900026

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1226 Upland Ave was $4,815 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Wright City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$535,000 (-) Land $45,000 Building $490,000	$535,000 (-) Land $45,000 Building $490,000
2025	$4,815.00 Homeowner's exemption	$535,000 Land $45,000 Building $490,000	$535,000 Land $45,000 Building $490,000
2023	$3,459.00 (-2.37%)	$324,500 (-) Land $45,000 Building $279,500	$324,500 (-) Land $45,000 Building $279,500
2022	$3,543.00	$324,500 Land $45,000 Building $279,500	$324,500 Land $45,000 Building $279,500

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

Flood

FEMA maps place 1226 Upland Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1226 Upland Ave is low, with a 0.01% annual chance of 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 213 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