Campbell County property record for 164 Summit Ave, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 905 sqft · built 1955 |
| Lot Size | 0.13 acres (5,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Sep 2026) |
| Tax Bill | $626 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Sep 2017 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-16-842.00 |
| Primary APN | 999-99-16-842.00 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 905 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Combination |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,600 sqft (0.13 acres) |
| Lot Dimensions | 140 ft deep x 40 ft wide |
| Terrain | Combination |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 164 SUMMIT AVE |
|---|---|
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7 BLK P HOLIDAY ACRES |
| Legal Subdivision | HOLIDAY ACRES |
| Legal Phase | P |
| Legal Block | P |
| Legal Lot Number | 7 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 52302 |
Source: Campbell County records, as of September 29, 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 | 115 MIAMI PKWY, FORT THOMAS, KY 41075-1153 |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Sep 17, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Sep 7, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Aug 11, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jun 5, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2026 · Amount on Record |
| Deed Sale | Sep 17, 2026 · Amount on Record |
| Prior Sale | Feb 21, 2006 · Amount on Record |
| Deed Document Number | 20266259701 |
| Deed Book / Page | 887 / 871 |
| Prior Transfer Date | Aug 9, 2017 |
| Prior Transfer Doc | 0005061179 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Sep 17, 2026 |
| Property Address | 164 SUMMIT AVE, FORT THOMAS, KY 41075-2046 |
| Document Number | 0006259701 |
| Book / Page | 887 / 871 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 20266259701 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | PROMINENT TITLE LLC, PROMINENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36,865.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 115 MIAMI PKWY, FORT THOMAS, KY 41075-1153 |
| Document Number | 0006259704, |
|---|---|
| Date | Sep 17, 2026 |
| Instrument | 20266259704 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 164 SUMMIT AVE, FORT THOMAS, KY 41075-2046 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SPRINGDALE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0005062431 |
|---|---|
| Date | Sep 7, 2017 |
| Book Page | M2121/880 |
| Instrument | 5062431 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Aug 11, 2017 |
| Property Address | 164 SUMMIT AVE, FORT THOMAS, KY 41075-2046 |
| Document Number | 0005061179 |
| Book / Page | 000787 / 000649 |
| Instrument Date | Aug 9, 2017 |
| Instrument | 5061179 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 SUMMIT AVE FORT THOMAS KY 410752046, FORT THOMAS, KY 41075-2046 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 5, 2017 |
| Property Address | 164 SUMMIT AVE, FORT THOMAS, KY 41075-2046 |
| Document Number | 0005057564 |
| Book / Page | 000785 / 000741 |
| Instrument Date | May 24, 2017 |
| Instrument | 5057564 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $3.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 SUMMIT AVE FORT THOMAS KY 410752046, FORT THOMAS, KY 41075-2046 |
Source: Campbell County assessment roll, as of March 9, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Fort Thomas City |
| Unified School District | Fort Thomas Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $626.00 (-6.57%) | $169,700 (-) Land $65,000 Building $104,700 | $169,700 (-) Land $65,000 Building $104,700 |
| 2023 | $670.00 (-2.47%) | $169,700 (-) Land $65,000 Building $104,700 | $169,700 (-) Land $65,000 Building $104,700 |
| 2022 | $687.00 | $169,700 Land $65,000 Building $104,700 | $169,700 Land $65,000 Building $104,700 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021
| 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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 189 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 |
| AT&T Fixed Wireless | 100 / 20 |
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