Kenton County property record for 1232 Upland Ave, Fort Wright, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 984 sqft · built 1950 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $111,000 (Jul 2002) |
| Tax Bill | $1,797 (2025) |
| Deeds & Mortgages | Aug 2021 Line of Credit Apr 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-40-51-006.00 |
| Primary APN | 041-40-51-006.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 984 sqft Finished Area |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1232 UPLAND AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOUTH HILLS LOT 247 FRONTING 50' ON NS UPLAND |
| Legal Subdivision | SOUTH HILLS |
| Legal Phase | B |
| Legal Lot Number | 247 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 65200 |
1232 Upland Ave is owned and occupied by an individual who bought it in July 2002.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1232 UPLAND AVE, COVINGTON, KY 41011-3756 |
| 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 |
|---|---|
| Aug 25, 2021 | Deed of Trust, Mortgage · Line of Credit CINFED CU |
| Apr 5, 2021 | Deed of Trust, Mortgage · Line of Credit CINFED CU |
| Aug 20, 2019 | Deed of Trust, Mortgage · Line of Credit CINFED CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 29, 2002 · Amount on File |
| Deed Sale | Jul 29, 2002 · Amount on File |
| Prior Sale | Aug 20, 1999 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1232 UPLAND AVE, COVINGTON, KY 41011-3756 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900044 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 261/925 |
| Instrument | 21082505900044 |
| Name | CINFED CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Aug 25, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1232 UPLAND AVE, COVINGTON, KY 41011-3756 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900097 |
|---|---|
| Date | Apr 5, 2021 |
| Book Page | 195/801 |
| Instrument | 21040505900097 |
| Name | CINFED CU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 25, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1232 UPLAND AVE, COVINGTON, KY 41011-3756 |
| Document Number | 0000000304 |
| Instrument Date | Aug 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 17, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1232 UPLAND AVE FORT WRIGHT KY 410113756, FORT WRIGHT, KY 41011-3756 |
| Document Number | 0000000304 |
|---|---|
| Date | Sep 13, 2019 |
| Book Page | 0C6753/000328 |
| Instrument | 304 |
| Name | CINFED CU |
|---|---|
| Address | CINCINNATI, OH 45209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 12, 2039 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 1232 Upland Ave was $1,797.
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 | $181,400 (-) Land $45,000 Building $136,400 | $181,400 (-) Land $45,000 Building $136,400 | |
| 2025 | $1,797.00 | $181,400 Land $45,000 Building $136,400 | $181,400 Land $45,000 Building $136,400 |
| 2023 | $1,524.00 | $143,000 Land $45,000 Building $98,000 | $143,000 Land $45,000 Building $98,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1232 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 1232 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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