Kenton County property record for 13 Crystal Lake Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 864 sqft · built 1977 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $34,000 (Dec 1995) |
| Tax Bill | $1,208 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Dec 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-571.00 |
| Primary APN | 045-30-00-571.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 864 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 208 ft deep x 79 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 13 CRYSTAL LAKE DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 1 PT B LOT 21 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 1 |
| Legal Lot Number | 21 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 66801 |
13 Crystal Lake Dr is owned and occupied by two individuals who bought it in December 1995.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 13 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| 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 |
|---|---|
| Jul 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 22, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 6, 1995 · Amount on File |
| Deed Sale | Dec 6, 1995 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 21, 2026 |
| Property Address | 13 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Number | 0000015414 |
| Book / Page | 462 / 437 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 202615414 |
| Transaction Type | Mortgage |
| Record Updated | Aug 7, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 13 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Number | 0000015414, |
|---|---|
| Date | Jul 21, 2026 |
| Book Page | 462/437 |
| Instrument | 202615414 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 13 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Transaction Type | Mortgage |
| Record Updated | Jan 8, 2026 |
| Name | Verified Name |
|---|---|
| Address | 13 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Number | 0005900171 |
|---|---|
| Date | Dec 22, 2025 |
| Book Page | KCM 719/542 |
| Instrument | 25122205900171 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 1, 2045 |
The 2025 property tax bill for 13 Crystal Lake Dr was $1,208 with a homeowner's exemption.
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 |
|---|---|---|---|
| 2026 | $185,800 (+8.65%) Land $20,000 Building $165,800 | $185,800 (+8.65%) Land $20,000 Building $165,800 | |
| 2025 | $1,208.00 Homeowner's exemption | $171,000 Land $10,000 Building $161,000 | $171,000 Land $10,000 Building $161,000 |
| 2023 | $1,328.00 Homeowner's exemption | $171,000 Land $10,000 Building $161,000 | $171,000 Land $10,000 Building $161,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 13 Crystal Lake Dr 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 13 Crystal Lake Dr is low, with less than 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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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