Kenton County property record for 18 Lucerne Ave, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,886 sqft · built 1945 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $360,000 (Aug 2023) |
| Tax Bill | $1,346 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Aug 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-40-14-037.00 |
| Primary APN | 028-40-14-037.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,886 sqft Finished Area |
| Gross Area | 2,018 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 18 LUCERNE AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUCERNE PT LOTS 27-28 |
| Legal Subdivision | LUCERNE |
| Legal Block | 2 |
| Legal Lot Number | 27,28 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 64700 |
Source: Kenton County records, as of December 2, 2025
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 | 18 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FORCHT BANK NA |
| Aug 18, 2023 | Warranty Deed, Transfer |
| Mar 6, 2020 | Quit Claim Deed, Transfer HUNTINGTON NAT'L BK |
| May 25, 2017 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2023 · Amount on Record |
| Deed Sale | Aug 18, 2023 · Amount on Record |
| Prior Sale | May 8, 2014 · Amount on Record |
| Deed Document Number | 2023174 |
| Deed Book / Page | 242 / 501 |
| Prior Transfer Date | Feb 24, 2020 |
| Prior Transfer Doc | 0000000178 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 18 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 18 LUCERNE AVE, FORT MITCHELL, KY 41017-2960 |
| Document Number | 0005900052 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | KCM 485/710 |
| Instrument | 23082105900052 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | BRANTWOOD, WI 54513 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 20, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 18, 2023 |
| Property Address | 18 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Document Number | 0005900174 |
| Book / Page | KC 242 / 501 |
| Map Reference | PL 495&495-A |
| Instrument Date | Aug 15, 2023 |
| Instrument | 23081805900174 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 18 LUCERNE AVE, FORT MITCHELL, KY 41017-2960 |
| Name | Verified Name |
|---|---|
| Address | 18 LUCERNE AVE, FORT MITCHELL, KY 41017-2960 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 6, 2020 |
| Property Address | 18 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Document Number | 0000000178 |
| Book / Page | 000010 / 000270 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 178 |
| Transaction Type | Transfer |
| Record Updated | Mar 23, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18 LUCERNE AVE FORT MITCHELL KY 410172960, FORT MITCHELL, KY 41017-2960 |
| Document Number | 179 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 000M17/000516 |
| Instrument | 179 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Mar 5, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 18 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Document Number | 0000000209 |
| Instrument Date | May 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18 LUCERNE AVE FORT MITCHELL KY 410172960, FORT MITCHELL, KY 41017-2960 |
| Document Number | 0000000209 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 0C6187/000313 |
| Instrument | 209 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2047 |
| 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 |
|---|---|---|---|
| 2025 | $1,346.00 (+15.14%) | $360,000 (+25.3%) Land $60,000 Building $300,000 | $360,000 (+25.3%) Land $60,000 Building $300,000 |
| 2023 | $1,169.00 (+34.99%) | $287,300 (+41.18%) Land $60,000 Building $227,300 | $287,300 (+41.18%) Land $60,000 Building $227,300 |
| 2022 | $866.00 | $203,500 Land $40,000 Building $163,500 | $203,500 Land $40,000 Building $163,500 |
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 98% of the US · lower than 98.2% 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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