Kenton County property record for 15 Harvard Dr, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,908 sqft · built 1987 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $637,500 (Oct 2022) |
| Tax Bill | $2,384 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Oct 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-10-07-023.00 |
| Primary APN | 028-10-07-023.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,908 sqft Finished Area |
| Gross Area | 3,437 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| 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 | 15 HARVARD DR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2836 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNNYMEDE ANNEX SEC 4A LOT 76 0.35 ACS NWS HARVARD DR |
| Legal Subdivision | SUNNYMEDE ANNEX |
| Legal Phase | 4A |
| Legal Lot Number | 76 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 64700 |
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 HARVARD DR, FT MITCHELL, KY 41017-2836 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK |
| Oct 7, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK |
| Oct 4, 2022 | Deed of Trust, Mortgage · Line of Credit HERITAGE SOUTHEAST BANK |
| Jan 9, 2018 | Deed of Trust, Mortgage · Line of Credit HERITAGE BK |
| Jan 12, 2017 | Deed of Trust, Mortgage · Line of Credit HERITAGE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2022 · Amount on Record |
| Deed Sale | Oct 6, 2022 · Amount on Record |
| Deed Document Number | 202293 |
| Deed Book / Page | 193 / 404 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 15 HARVARD DR, FT MITCHELL, KY 41017-2836 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 15 HARVARD DR, FT MITCHELL, KY 41017-2836 |
| Document Number | 0000001938 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 729/662 |
| Instrument | 26059000001938 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Jan 13, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 15 HARVARD DR, FT MITCHELL, KY 41017-2836 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900077 |
|---|---|
| Date | Oct 7, 2022 |
| Book Page | 413/95 |
| Instrument | 22100705900077 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.5% |
| Index | 1-Year CMT |
| Max Rate | 10.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 15 HARVARD DR, FT MITCHELL, KY 41017-2836 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2022 |
| Name | Verified Name |
|---|---|
| Address | 15 HARVARD DR, FORT MITCHELL, KY 41017-2836 |
| Document Number | 0005900169 |
|---|---|
| Date | Oct 4, 2022 |
| Book Page | 411/921 |
| Instrument | 22100405900169 |
| Name | HERITAGE SOUTHEAST BANK |
|---|---|
| Type | Bank |
| Address | COVINGTON, KY 41011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Aug 25, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 15 HARVARD DR, FT MITCHELL, KY 41017-2836 |
| Document Number | 0000000224 |
| Instrument Date | Jan 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 HARVARD DR FORT MITCHELL KY 410172836, FORT MITCHELL, KY 41017-2836 |
| Document Number | 0000000224 |
|---|---|
| Date | Jan 23, 2018 |
| Book Page | 0C6339/000309 |
| Instrument | 224 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | FORT RIGHT, KY 41011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 22, 2028 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 15 HARVARD DR, FT MITCHELL, KY 41017-2836 |
| Document Number | 0000000074 |
| Book / Page | 0C6091 / 000158 |
| Instrument Date | Jan 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 HARVARD DR FORT MITCHELL KY 410172836, FORT MITCHELL, KY 41017-2836 |
| Document Number | 0000000074 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 0C6091/000158 |
| Instrument | 74 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | ERLANGER, KY 41018 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 6, 2027 |
| Rate Type | Adjustable Rate |
|---|
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 | $637,500 (-) Land $100,000 Building $537,500 | $637,500 (-) Land $100,000 Building $537,500 | |
| 2025 | $2,384.00 (-8.1%) | $637,500 (-) Land $100,000 Building $537,500 | $637,500 (-) Land $100,000 Building $537,500 |
| 2023 | $2,594.00 | $637,500 Land $100,000 Building $537,500 | $637,500 Land $100,000 Building $537,500 |
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
| 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.
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 | 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 273 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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