Kenton County property record for 199 Tando Way, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,056 sqft · built 1998 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $187,000 (Dec 2020) |
| Tax Bill | $1,853 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2023 Second Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-01-071.00 |
| Primary APN | 045-30-01-071.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,056 sqft Finished Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 199 TANDO WAY |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 3 LOT 71 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 3 |
| Legal Lot Number | 71 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 66801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 199 TANDO WAY, FT MITCHELL, KY 41017-9110 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 12, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 19, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Dec 11, 2020 | Warranty Deed, Transfer UNITED WHOLESALE MTG |
| Sep 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Jan 14, 2019 | Quit Claim Deed, Mortgage · Conventional with PMI US BK |
| Apr 27, 2018 | Warranty Deed, Transfer · Conventional with PMI US BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2020 · Amount on Record |
| Deed Sale | Dec 11, 2020 · Amount on Record |
| Prior Sale | Apr 27, 2018 · Amount on Record |
| Deed Document Number | 20205900142 |
| Deed Book / Page | 60 / 446 |
| Prior Transfer Date | Nov 26, 2018 |
| Prior Transfer Doc | 0005900023 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 12, 2026 |
| Property Address | 199 TANDO WAY, FT MITCHELL, KY 41017-9110 |
| Document Number | 0000018145 |
| Book / Page | 479 / 481 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202618145 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 199 TANDO WAY, FT MITCHELL, KY 41017-9110 |
| Document Number | 0000018145, |
|---|---|
| Date | Aug 12, 2026 |
| Book Page | 479/481 |
| Instrument | 202618145 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 199 TANDO WAY, COVINGTON, KY 41017-9110 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900032 |
|---|---|
| Date | Dec 19, 2023 |
| Book Page | KCM 514/933 |
| Instrument | 23121905900032 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 11, 2020 |
| Property Address | 199 TANDO WAY, COVINGTON, KY 41017-9110 |
| Document Number | 0000000142 |
| Book / Page | 000060 / 000446 |
| Instrument Date | Dec 7, 2020 |
| Instrument | 142 |
| Transaction Type | Transfer |
| Record Updated | Dec 29, 2020 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 199 TANDO WAY COVINGTON KY 410179110, COVINGTON, KY 41017-9110 |
| Document Number | 143 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 00M139/000501 |
| Instrument | 143 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Dec 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 199 TANDO WAY, COVINGTON, KY 41017-9110 |
| Document Number | 0000000133 |
| Instrument Date | Sep 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 199 TANDO WAY COVINGTON KY 410179110, COVINGTON, KY 41017-9110 |
| Document Number | 0000000133 |
|---|---|
| Date | Oct 2, 2019 |
| Book Page | 0I4337/000318 |
| Instrument | 133 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 14, 2019 |
| Property Address | 199 TANDO WAY, COVINGTON, KY 41017-9110 |
| Document Number | 0000000023 |
| Book / Page | 0I4215 / 000003 |
| Instrument Date | Nov 26, 2018 |
| Instrument | 23 |
| Transaction Type | Mortgage |
| Record Updated | Jan 29, 2019 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 199 TANDO WAY COVINGTON KY 410179110, COVINGTON, KY 41017-9110 |
| Document Number | 32 |
|---|---|
| Date | Jan 14, 2019 |
| Book Page | 0I4215/000007 |
| Instrument | 32 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 13, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 27, 2018 |
| Property Address | 199 TANDO WAY, COVINGTON, KY 41017-9110 |
| Document Number | 0000000172 |
| Book / Page | 0I4099 / 000309 |
| Instrument Date | Apr 27, 2018 |
| Instrument | 172 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $154.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 199 TANDO WAY COVINGTON KY 410179110, COVINGTON, KY 41017-9110 |
| Document Number | 173 |
|---|---|
| Date | Apr 27, 2018 |
| Book Page | 0I4099/000312 |
| Instrument | 173 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 26, 2048 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $207,800 (+11.12%) Land $35,000 Building $172,800 | $207,800 (+11.12%) Land $35,000 Building $172,800 | |
| 2025 | $1,853.00 (-7.02%) | $187,000 (-) Land $25,000 Building $162,000 | $187,000 (-) Land $25,000 Building $162,000 |
| 2023 | $1,993.00 | $187,000 Land $25,000 Building $162,000 | $187,000 Land $25,000 Building $162,000 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 320 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 |
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