Kenton County property record for 15 Ferndale Ct, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 888 sqft · built 1988 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $235,000 (May 2024) |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-40-00-047.00 |
| Primary APN | 045-40-00-047.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 888 sqft Finished Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 157 ft deep x 60 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 15 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 47 |
| Legal Subdivision | SOUTH LAKEWOOD HILLS |
| Legal Phase | 1 |
| Legal Lot Number | 47 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2005 |
| 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 | 15 FERNDALE CT, FT MITCHELL, KY 41017-9402 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| May 1, 2024 | Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC |
| Aug 17, 2017 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2024 · Amount on Record |
| Deed Sale | May 1, 2024 · Amount on Record |
| Prior Sale | Oct 10, 2006 · Amount on Record |
| Deed Document Number | 2024158 |
| Deed Book / Page | 282 / 329 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 15 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 1200 DOWNING ST 8, 8, COLD SPRING, KY 41076-3518 |
| Document Number | 0005900159 |
|---|---|
| Date | May 1, 2024 |
| Book Page | KCM545/220 |
| Instrument | 24050105900159 |
| Name | WESBANCO BANK INC |
|---|---|
| Type | Bank |
| Address | 1 BANK PLZ, WHEELING, WV 26003 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 15 FERNDALE CT, COVINGTON, KY 41017-9402 |
| Document Number | 0000000075 |
| Book / Page | 0I3991 / 000264 |
| Instrument Date | Aug 17, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 FERNDALE CT COVINGTON KY 410179402, COVINGTON, KY 41017-9402 |
| Document Number | 0000000075 |
|---|---|
| Date | Aug 29, 2017 |
| Book Page | 0I3991/000264 |
| Instrument | 75 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2047 |
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 | $235,000 (-) Land $20,000 Building $215,000 | $235,000 (-) Land $20,000 Building $215,000 | |
| 2025 | $2,328.00 (+23.57%) | $235,000 (+32.92%) Land $15,000 Building $220,000 | $235,000 (+32.92%) Land $15,000 Building $220,000 |
| 2023 | $1,884.00 | $176,800 Land $15,000 Building $161,800 | $176,800 Land $15,000 Building $161,800 |
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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