Kenton County property record for 1231 Upland Ave, Fort Wright, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,250 sqft · built 1942 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $321,000 (Oct 2023) |
| Tax Bill | $3,181 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Oct 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-40-51-005.00 |
| Primary APN | 041-40-51-005.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,250 sqft Finished Area |
| Gross Area | 1,826 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1231 UPLAND AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3760 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH HILLS LOT 257 |
| Legal Subdivision | SOUTH HILLS |
| Legal Phase | B |
| Legal Lot Number | 257 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 65200 |
1231 Upland Ave is owned and occupied by two individuals who bought it in October 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 26, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Oct 27, 2023 | Warranty Deed, Transfer AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Oct 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Mar 22, 2017 | Grant Deed, Transfer · FHA Mortgage AMERICAN MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 27, 2023 · Amount on File |
| Deed Sale | Oct 27, 2023 · Amount on File |
| Prior Sale | Oct 22, 2013 · Amount on File |
| Deed Document Number | 2023327 |
| Deed Book / Page | 254 / 377 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1231 UPLAND AVE, FT WRIGHT, KY 41011-3760 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Title Company | ATS |
| Name | Verified Name |
|---|---|
| Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Document Number | 0000006145 |
|---|---|
| Date | Mar 26, 2026 |
| Book Page | 406/217 |
| Instrument | 26059000006145 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 27, 2023 |
| Property Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Document Number | 0005900327 |
| Book / Page | KC 254 / 377 |
| Map Reference | SL 471 |
| Instrument Date | Oct 25, 2023 |
| Instrument | 23102705900327 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2024 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 27, 2023 |
| Property Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Document Number | 0005900327 |
| Book / Page | KC 254 / 377 |
| Map Reference | SL 471 |
| Instrument Date | Oct 25, 2023 |
| Instrument | 23102705900327 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2024 |
| Title Company | AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Document Number | 0005900328 |
|---|---|
| Date | Oct 27, 2023 |
| Book Page | KCM 503/335 |
| Instrument | 23102705900328 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 22, 2017 |
| Property Address | 1231 UPLAND AVE, COVINGTON, KY 41011-3760 |
| Document Number | 0000000049 |
| Book / Page | 0C6120 / 000258 |
| Instrument Date | Mar 20, 2017 |
| Instrument | 49 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1231 UPLAND AVE COVINGTON KY 410113760, COVINGTON, KY 41011-3760 |
| Document Number | 51 |
|---|---|
| Date | Mar 22, 2017 |
| Book Page | 0C6120/000261 |
| Instrument | 51 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 21, 2047 |
| Document Number | 52, |
|---|---|
| Date | Mar 22, 2017 |
| Book Page | 0C6120/000275 |
| Instrument | 52 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 60 Months |
| Due | Mar 21, 2022 |
| Rate | 12% |
|---|
The 2025 property tax bill for 1231 Upland Ave was $3,181.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Wright City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $321,000 (-) Land $45,000 Building $276,000 | $321,000 (-) Land $45,000 Building $276,000 | |
| 2025 | $3,181.00 | $321,000 Land $45,000 Building $276,000 | $321,000 Land $45,000 Building $276,000 |
| 2023 | $2,078.00 | $195,000 Land $45,000 Building $150,000 | $195,000 Land $45,000 Building $150,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1231 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 risk around 1231 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.
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 |
| 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.
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 |
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