Kenton County property record for 20 Lucerne Ave, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,701 sqft · built 1939 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $211,200 (May 2022) |
| Tax Bill | $1,118 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Jun 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-40-14-038.00 |
| Primary APN | 028-40-14-038.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,701 sqft Finished Area |
| Gross Area | 1,841 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Brick |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 20 LUCERNE AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUCERNE BLK 2 W 45' LOT 26 & E 5' LOT 27 |
| Legal Subdivision | LUCERNE |
| Legal Phase | 2 |
| Legal Block | 2 |
| Legal Lot Number | 26,27 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 20 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Jun 10, 2022 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK & TRUST CO |
| May 11, 2022 | Intrafamily Transfer, Transfer |
| Oct 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2022 · Amount on Record |
| Deed Sale | May 11, 2022 · Amount on Record |
| Prior Sale | Aug 3, 2006 · Amount on Record |
| Deed Document Number | 2022169 |
| Deed Book / Page | 165 / 79 |
| Prior Transfer Date | May 5, 2022 |
| Prior Transfer Doc | 0005900169 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 20 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0005900141 |
|---|---|
| Date | Feb 23, 2022 |
| Book Page | 340/806 |
| Instrument | 22022305900141 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 20 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 20 LUCERNE AVE, FORT MITCHELL, KY 41017-2960 |
| Document Number | 0005900081 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 378/637 |
| Instrument | 22061005900081 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 1, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 11, 2022 |
| Property Address | 20 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Document Number | 0005900169 |
| Book / Page | 165 / 79 |
| Map Reference | PL 495 |
| Instrument Date | May 5, 2022 |
| Instrument | 22051105900169 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1168 PERIWINKLE DR, FLORENCE, KY 41042-6901 |
| Name | Verified Name |
|---|---|
| Address | 20 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 20 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Document Number | 0000000002 |
| Instrument Date | Oct 24, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 20 LUCERNE AVE FORT MITCHELL KY 410172960, FORT MITCHELL, KY 41017-2960 |
| Document Number | 0000000002 |
|---|---|
| Date | Oct 30, 2019 |
| Book Page | 0C6790/000224 |
| Instrument | 2 |
| Name | CENTRAL BK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 29, 2034 |
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 | $1,118.00 (-8.13%) | $299,100 (-) Land $60,000 Building $239,100 | $299,100 (-) Land $60,000 Building $239,100 |
| 2023 | $1,217.00 | $299,100 Land $60,000 Building $239,100 | $299,100 Land $60,000 Building $239,100 |
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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