Kenton County property record for 13 Ferndale Ct, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 900 sqft · built 1986 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $240,500 (Apr 2025) |
| Tax Bill | $1,907 (2025) |
| Deeds & Mortgages | Apr 2025 Sale & Mortgage Aug 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-40-00-048.00 |
| Primary APN | 045-40-00-048.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 900 sqft Finished Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 157 ft deep x 65 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 13 FERNDALE CT |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9402 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S LAKEWOOD HILLS PHASE B PT 1 LOT 48 |
| Legal Subdivision | SOUTH LAKEWOOD HILLS |
| Legal Phase | 1 |
| Legal Lot Number | 48 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 66801 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 13 FERNDALE CT, FT MITCHELL, KY 41017-9402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 18, 2025 | Warranty Deed, Transfer · Conventional Mortgage L&N FCU |
| Aug 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 18, 2025 · Amount on Record |
| Deed Sale | Apr 18, 2025 · Amount on Record |
| Prior Sale | Aug 24, 2021 · Amount on Record |
| Deed Document Number | 202573 |
| Deed Book / Page | 339 / 1 |
| Prior Transfer Date | Oct 29, 2011 |
| Prior Transfer Doc | 0005900075 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 18, 2025 |
| Property Address | 13 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0005900073 |
| Book / Page | KC 339 / 1 |
| Map Reference | MB 21 PG 116 |
| Instrument Date | Apr 16, 2025 |
| Instrument | 25041805900073 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1743 BARONS CV, HEBRON, KY 41048-3527 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13 FERNDALE CT, FT MITCHELL, KY 41017-9402 |
| Document Number | 0005900074 |
|---|---|
| Date | Apr 18, 2025 |
| Instrument | 25041805900074 |
| Name | L&N FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.12% |
| Max Rate At Change | 9.12% |
| Index | SOFR Average 30-Day |
| Max Rate | 13.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 24, 2021 |
| Property Address | 13 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0005900002 |
| Book / Page | 113 / 122 |
| Map Reference | MB 21 PG 116 |
| Instrument Date | Aug 18, 2021 |
| Instrument | 21082405900002 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 541 TUSCANY VALLEY CT # CT6, 541, CRESTVIEW HILLS, KY 41017-5477 |
| Name | Verified Name |
|---|---|
| Address | 13 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0005900003 |
|---|---|
| Date | Aug 24, 2021 |
| Book Page | 261/17 |
| Instrument | 21082405900003 |
| Name | FINANCE OF AMERICA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CONSHOHOCKEN, PA 19428 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
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 | $240,500 (+24.94%) Land $20,000 Building $220,500 | $240,500 (+24.94%) Land $20,000 Building $220,500 | |
| 2025 | $1,907.00 (-7.07%) | $192,500 (-) Land $15,000 Building $177,500 | $192,500 (-) Land $15,000 Building $177,500 |
| 2023 | $2,052.00 | $192,500 Land $15,000 Building $177,500 | $192,500 Land $15,000 Building $177,500 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 188 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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