13 Waterside Way, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 13 Waterside Way, Covington, KY 41017 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,881 sqft · built 1978
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,808 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-100.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-100.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,881 sqft Finished Area
Gross Area	2,318 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0453000100.00
Street Address	13 WATERSIDE WAY
City	COVINGTON
State	KY
Zip	41017-9724
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD HILLS SEC 4 LOT 192
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	4
Legal Lot Number	192
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-00-100.00

Assessment roll updated April 1, 2025 · Last verified December 2025

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 WATERSIDE WAY, COVINGTON, KY 41017-9724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 18, 1978
Deed Sale	Jul 18, 1978
Deed Document Number	0000220275
Record Updated	Jun 08, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	13 WATERSIDE WAY, COVINGTON, KY 41017-9724
Document Number	0000000036
Book / Page	0I4051 / 000277
Instrument Date	Nov 20, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	13 WATERSIDE WAY COVINGTON KY 410179724, COVINGTON, KY 41017-9724

Mortgage

Document Number	0000000036
Date	Jan 08, 2018
Book Page	0I4051/000277
Instrument	36

Lender

Name	FIFTH THIRD BK/NTHRN KY
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 07, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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	$1,808.00 (-8.41%) Homeowner's exemption	$231,600 (-) Land $10,000 Building $221,600	$231,600 (-) Land $10,000 Building $221,600
2023	$1,974.00 Homeowner's exemption	$231,600 Land $10,000 Building $221,600	$231,600 Land $10,000 Building $221,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 385 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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