Campbell County property record for 19 River Rd, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 1,150 sqft · built 1923 |
| Lot Size | 0.095 acres (4,170 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $183,500 (Feb 2020) |
| Tax Bill | $677 (2025) |
| Deeds & Mortgages | Feb 2020 Sale & Mortgage Jan 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-15-038.00 |
| Primary APN | 999-99-15-038.00 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 1,150 sqft Living Area |
| Year Built | Built 1923 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,170 sqft |
| Lot Dimensions | 139 ft deep x 30 ft wide |
| Heating System | Forced Air |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999915038.00 |
|---|---|
| Street Address | 19 RIVER RD |
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 34 C J HELM OF SPINKS 30 X 139 IRREG |
| Legal Subdivision | C J HELM JR |
| Legal Lot Number | 34 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 52800 |
Source: Campbell County records, as of March 6, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 19 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2020 | Warranty Deed, Transfer · FHA Mortgage REGIONS BANK |
| Jan 25, 2019 | Warranty Deed, Transfer · ARM GUARDIAN SAVINGS BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 14, 2020 · Amount on Record |
| Deed Sale | Feb 14, 2020 · Amount on Record |
| Prior Sale | Jan 25, 2019 · Amount on Record |
| Deed Document Number | 5105147 |
| Deed Book / Page | D809 / 805 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Feb 14, 2020 |
| Property Address | 19 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Document Number | 0005105147 |
| Book / Page | D809 / 805 |
| Map Reference | MB 56 PG 161 |
| Instrument Date | Feb 7, 2020 |
| Instrument | 5105147 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Title Company | LAWYERS TTL OF CINCINNATI IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $183.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 114 EVERGREEN AVE, 114, SOUTHGATE, KY 41071-3466 |
| Name | Verified Name |
|---|---|
| Address | 19 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Document Number | 0005105148 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 5105148 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jan 25, 2019 |
| Property Address | 19 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Document Number | 0005086509 |
| Book / Page | D800 / 561 |
| Map Reference | DD 58 PG 161 |
| Instrument Date | Jan 24, 2019 |
| Instrument | 5086509 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6331 FOUR MILE RD, 6331, MELBOURNE, KY 41059-9497 |
| Name | Verified Name |
|---|---|
| Address | 19 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Document Number | 0005086511 |
|---|---|
| Date | Jan 25, 2019 |
| Instrument | 5086511 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Feb 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.25% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
Source: Campbell County assessment roll, as of April 1, 2025
| 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 | $677.00 (-6.49%) | $183,500 (-) Land $20,000 Building $163,500 | $183,500 (-) Land $20,000 Building $163,500 |
| 2023 | $724.00 (-2.56%) | $183,500 (-) Land $20,000 Building $163,500 | $183,500 (-) Land $20,000 Building $163,500 |
| 2022 | $743.00 | $183,500 Land $20,000 Building $163,500 | $183,500 Land $20,000 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 August 24, 2021 · 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 Claims | 1 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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 | Not rated no burnable land within 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 447 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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