1260 Upland Ave, Fort Wright (Covington), KY 41011 Property Records

Kenton County property record for 1260 Upland Ave, Fort Wright, KY 41011

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,088 sqft · built 1969
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on File
Last Sale	$372,000 (Aug 2026)
Tax Bill	$2,229 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`041-40-51-020.03`

Property Details

APN / Parcel Number

Primary APN	`041-40-51-020.03`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,088 sqft Finished Area
Gross Area	2,508 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Duplex Single
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,500 sqft (0.126 acres)
Lot Dimensions	100 ft deep x 55 ft wide
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	1260 UPLAND AVE
City	COVINGTON
State	KY
Zip	41011-3756
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	UPLAND PT LOT 5 55'X 100' IRREG
Legal Subdivision	UPLAND
Legal Lot Number	5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
Census Tract	65200

Owner

1260 Upland Ave, a duplex, is owned by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	619 WILLOW BROOK LN, EDGEWOOD, KY 41017-3273
Owner Type	Individual
Vesting	Remainderman

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	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Prior Sale	Jul 12, 2006 · Amount on File
Deed Document Number	2026080717621
Deed Book / Page	475 / 799
Prior Transfer Date	Jun 12, 2006
Prior Transfer Doc	0005900137
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 7, 2026
Property Address	1260 UPLAND AVE, COVINGTON, KY 41011-3756
Document Number	0000017621
Book / Page	475 / 799
Instrument Date	Jul 22, 2026
Instrument	202617621
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	PROMINENT TITLE LLC, PROMINENT TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,572.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	619 WILLOW BROOK LN, EDGEWOOD, KY 41017-3273

Mortgage

Document Number	0000017622,
Date	Aug 7, 2026
Instrument	2026080717622

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1260 Upland Ave was $2,229.

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	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$225,000 (-) Land $45,000 Building $180,000	$225,000 (-) Land $45,000 Building $180,000
2025	$2,229.00	$225,000 Land $45,000 Building $180,000	$225,000 Land $45,000 Building $180,000
2023	$2,130.00	$199,900 Land $45,000 Building $154,900	$199,900 Land $45,000 Building $154,900

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

Flood

FEMA maps place 1260 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 1260 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	None beyond ember reach

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