Kenton County property record for 14 Ross Ave, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,046 sqft · built 2017 |
| Lot Size | 0.469 acres (20,430 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,106 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Oct 2017 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-40-05-170.00 |
| Primary APN | 028-40-05-170.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,046 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 20,430 sqft (0.469 acres) |
| Lot Dimensions | 473 ft deep x 98 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 14 ROSS AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2939 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHAS E PETTY PT LOTS D-E 0.469 AC SES ROSS AVE KNOWN AS ID PLAT PARCEL B |
| Legal Subdivision | PETTY (CHAS E) |
| Legal Lot Number | D,E |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 64700 |
14 Ross Ave is owned and occupied by two individuals.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14 ROSS AVE, FT MITCHELL, KY 41017-2939 |
| 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 |
|---|---|
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional with PMI LIBERTY SVGS |
| Oct 30, 2017 | Deed of Trust, Mortgage · Line of Credit HERITAGE BK |
| Sep 22, 2017 | Deed of Trust, Mortgage LIBERTY SVGS |
| Feb 7, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage HERITAGE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 14 ROSS AVE, FT MITCHELL, KY 41017-2939 |
| Document Number | 0000000053 |
| Instrument Date | Sep 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2020 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 ROSS AVE FORT MITCHELL KY 410172939, FORT MITCHELL, KY 41017-2939 |
| Document Number | 0000000053 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 00M109/000308 |
| Instrument | 53 |
| Name | LIBERTY SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | WILMINGTON, OH 45177 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 14 ROSS AVE, FT MITCHELL, KY 41017-2939 |
| Document Number | 0000000220 |
| Instrument Date | Oct 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 ROSS AVE FORT MITCHELL KY 410172939, FORT MITCHELL, KY 41017-2939 |
| Document Number | 0000000220 |
|---|---|
| Date | Nov 20, 2017 |
| Book Page | 0C6298/000190 |
| Instrument | 220 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | COLD SPRING, KY 41076 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 19, 2027 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 14 ROSS AVE, FT MITCHELL, KY 41017-2939 |
| Document Number | 0000000134 |
| Book / Page | 0C6257 / 000011 |
| Instrument Date | Sep 22, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2017 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 14 ROSS AVE FORT MITCHELL KY 41017, FORT MITCHELL, KY 41017 |
| Document Number | 0000000134 |
|---|---|
| Date | Sep 27, 2017 |
| Book Page | 0C6257/000011 |
| Instrument | 134 |
| Name | LIBERTY SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | WILMINGTON, OH 45177 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 26, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 7, 2017 |
| Property Address | 14 ROSS AVE, FT MITCHELL, KY 41017-2939 |
| Book / Page | 0C6092 / 000108 |
| Instrument Date | Jan 27, 2017 |
| Instrument | 321 |
| Transaction Type | Construction Loan |
| Record Updated | May 16, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 12 ROSS AVE #ACE FORT MITCHELL KY 410172939, FORT MITCHELL, KY 41017-2939 |
| Document Number | 0000000321 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 0C6092/000108 |
| Instrument | 321 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | BOONE, KY 41005 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Feb 6, 2018 |
The 2025 property tax bill for 14 Ross Ave was $2,106.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Mitchell City |
| Unified School District | Beechwood Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $563,300 (-) Land $60,000 Building $503,300 | $563,300 (-) Land $60,000 Building $503,300 | |
| 2025 | $2,106.00 | $563,300 Land $60,000 Building $503,300 | $563,300 Land $60,000 Building $503,300 |
| 2023 | $2,292.00 | $563,300 Land $60,000 Building $503,300 | $563,300 Land $60,000 Building $503,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 14 Ross 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 risk around 14 Ross Ave 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 | None beyond ember reach |
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 205 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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