16 Ferndale Ct, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 16 Ferndale Ct, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,053 sqft · built 1989
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$252,000 (Jan 2026)
Tax Bill	$1,835 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-40-00-037.00`

Property Details

APN / Parcel Number

Primary APN	`045-40-00-037.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,053 sqft Finished Area

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Lot Dimensions	195 ft deep x 70 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	16 FERNDALE CT
City	FT MITCHELL
State	KY
Zip	41017-9401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S LAKEWOOD HILLS PHASE B PT 1 LOT 37
Legal Subdivision	SOUTH LAKEWOOD HILLS
Legal Phase	1
Legal Lot Number	37
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2005
Census Tract	66801

Owner

16 Ferndale Ct is owned and occupied by an individual who bought it in January 2026.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	16 FERNDALE CT, FT MITCHELL, KY 41017-9401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 8, 2026 · Amount on File
Deed Sale	Jan 8, 2026 · Amount on File
Prior Sale	Nov 2, 2016 · Amount on File
Deed Document Number	20260108213
Deed Book / Page	383 / 814
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 8, 2026
Property Address	16 FERNDALE CT, COVINGTON, KY 41017-9401
Document Number	0000000213
Book / Page	KC 383 / 814
Map Reference	MB 21 PG 116
Instrument Date	Dec 29, 2025
Instrument	26059000000213
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$252.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5527 BERKSHIRE DR, GUILFORD, IN 47022-9302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 FERNELALE CT, FT MITCHELL, KY 41017

Mortgage

Document Number	0000000214
Date	Jan 8, 2026
Instrument	26059000000214

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 16 Ferndale Ct was $1,835.

Source: Kenton County assessment roll, as of December 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$252,000 (+36.07%) Land $20,000 Building $232,000	$252,000 (+36.07%) Land $20,000 Building $232,000
2025	$1,835.00	$185,200 Land $15,000 Building $170,200	$185,200 Land $15,000 Building $170,200
2023	$1,974.00	$185,200 Land $15,000 Building $170,200	$185,200 Land $15,000 Building $170,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16 Ferndale Ct in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 16 Ferndale Ct is low, with 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 385 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