Kenton County property record for 13 Ross Ave, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,566 sqft · built 1930 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $375,000 (Apr 2025) |
| Tax Bill | $1,116 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Apr 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-40-05-145.00 |
| Primary APN | 028-40-05-145.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,566 sqft Finished Area |
| Gross Area | 1,674 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 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 | 13 ROSS AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2940 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WERT RESUB PT LOTS 4-5 & PARCEL IN REAR |
| Legal Subdivision | WERT |
| Legal Lot Number | 4,5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 64700 |
Source: Kenton County records · APN 028-40-05-145.00
Assessment roll updated December 2, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 13 ROSS AVE, FORT MITCHELL, KY 41017-2940 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Apr 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Aug 16, 2021 | Deed, Transfer |
| Oct 05, 2017 | Warranty Deed, Transfer · Conventional Mortgage HUNTINGTON NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2025 · Amount on Record |
| Deed Sale | Apr 21, 2025 · Amount on Record |
| Prior Sale | Aug 16, 2021 · Amount on Record |
| Deed Document Number | 202597 |
| Deed Book / Page | 339 / 119 |
| Prior Transfer Date | May 15, 2006 |
| Prior Transfer Doc | 0005900273 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 13 ROSS AVE, FT MITCHELL, KY 41017-2940 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 13 ROSS AVE, FORT MITCHELL, KY 41017-2940 |
| Document Number | 0005900167 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | KCM 721/496 |
| Instrument | 25122905900167 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 21, 2025 |
| Property Address | 13 ROSS AVE, FT MITCHELL, KY 41017-2940 |
| Document Number | 0005900097 |
| Book / Page | KC 339 / 119 |
| Instrument Date | Apr 11, 2025 |
| Instrument | 25042105900097 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1921 PLEASANT POND LN, VIRGINIA BEACH, VA 23455-2666 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 13 ROSS AVE, FT MITCHELL, KY 41017-2940 |
| Document Number | 0005900098 |
|---|---|
| Date | Apr 21, 2025 |
| Instrument | 25042105900098 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 01, 2026 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Max Rate | 13.2% |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 16, 2021 |
| Property Address | 13 ROSS AVE, FT MITCHELL, KY 41017-2940 |
| Document Number | 0000000977 |
| Book / Page | 110 / 977 |
| Map Reference | MB 192 PG 645 |
| Instrument Date | Jul 26, 2021 |
| Instrument | 21081100000977 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $298.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 13 ROSS AVE, FT MITCHELL, KY 41017-2940 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 05, 2017 |
| Property Address | 13 ROSS AVE, FT MITCHELL, KY 41017-2940 |
| Document Number | 0000000151 |
| Book / Page | 0C6265 / 000249 |
| Instrument Date | Oct 02, 2017 |
| Instrument | 151 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $202.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 ROSS AVE FORT MITCHELL KY 410172940, FORT MITCHELL, KY 41017-2940 |
| Document Number | 152 |
|---|---|
| Date | Oct 05, 2017 |
| Book Page | 0C6265/000252 |
| Instrument | 152 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 04, 2047 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Mitchell City |
| Unified School District | Beechwood Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,116.00 (-8.07%) | $298,500 (-) Land $60,000 Building $238,500 | $298,500 (-) Land $60,000 Building $238,500 |
| 2023 | $1,214.00 | $298,500 Land $60,000 Building $238,500 | $298,500 Land $60,000 Building $238,500 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Cincinnati Bell.
Based on FCC filings for 143 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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