Kenton County property record for 125 Crystal Lake Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 911 sqft · built 1980 |
| Lot Size | 0.668 acres (29,089 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $262,000 (May 2024) |
| Tax Bill | $2,596 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-178.00 |
| Primary APN | 045-30-00-178.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 4 Stories |
| Building Area | 911 sqft Finished Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 29,089 sqft (0.668 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 125 CRYSTAL LAKE DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9722 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 8 LOT 178A 0.6678 AC BEING RESUB |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 8-10 |
| Legal Lot Number | 178A |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66801 |
Source: Kenton County records, as of April 2, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 125 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Oct 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Apr 5, 2017 | Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 31, 2024 · Amount on Record |
| Deed Sale | May 31, 2024 · Amount on Record |
| Prior Sale | Oct 21, 2022 · Amount on Record |
| Deed Document Number | 2024143 |
| Deed Book / Page | 287 / 64 |
| Prior Transfer Date | May 15, 2008 |
| Prior Transfer Doc | 0005900064 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 21, 2022 |
| Property Address | 125 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722 |
| Document Number | 0005900119 |
| Book / Page | KC 196 / 318 |
| Map Reference | SL A-328 |
| Instrument Date | Oct 17, 2022 |
| Instrument | 22102105900119 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Title Company | SPRINGDALE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 27 HIGH ST, 27, NEWPORT, KY 41071-2812 |
| Name | Verified Name |
|---|---|
| Address | 125 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900120 |
|---|---|
| Date | Oct 21, 2022 |
| Instrument | 22102105900120 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 5, 2017 |
| Property Address | 125 CRYSTAL LAKE DR, COVINGTON, KY 41017-9722 |
| Document Number | 0000000144 |
| Book / Page | 0I3921 / 000052 |
| Instrument Date | Feb 27, 2017 |
| Instrument | 144 |
| Transaction Type | Transfer |
| Record Updated | May 18, 2017 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 125 CRYSTAL LAKE DR COVINGTON KY 410179722, COVINGTON, KY 41017-9722 |
| Document Number | 145 |
|---|---|
| Date | Apr 5, 2017 |
| Book Page | 0I3921/000057 |
| Instrument | 145 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 4, 2032 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,596.00 (+10.7%) | $262,000 (+19.09%) Land $10,000 Building $252,000 | $262,000 (+19.09%) Land $10,000 Building $252,000 |
| 2023 | $2,345.00 | $220,000 Land $10,000 Building $210,000 | $220,000 Land $10,000 Building $210,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 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 |
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