20 Oak St, Fort Mitchell (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 20 Oak St, Fort Mitchell, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,902 sqft · built 1905
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,168 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`028-40-05-084.00`

Property Details

APN / Parcel Number

Primary APN	`028-40-05-084.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,902 sqft Finished Area
Gross Area	2,841 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	20,909 sqft (0.48 acres)
Lot Dimensions	175 ft deep x 60 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	20 OAK ST
City	FT MITCHELL
State	KY
Zip	41017-2945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOEBKER W 5' LOT 15 & HIGHLAND PARK PT LOT 67
Legal Subdivision	LOEBKER JOHN H
Legal Phase	7
Legal Lot Number	15-6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	64700

Owner

Source: Kenton County records, as of October 20, 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	2 Individual Names on Record
Mailing Address	20 OAK ST, FT MITCHELL, KY 41017-2945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	20 OAK ST, FT MITCHELL, KY 41017-2945
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 OAK ST, BROMLEY, KY 41017-2945

Mortgage

Document Number	0005900184
Date	Apr 21, 2021
Book Page	205/406
Instrument	21042105900184

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Mitchell City
Unified School District	Beechwood Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$361,600 (-) Land $65,000 Building $296,600	$361,600 (-) Land $65,000 Building $296,600
2025	$1,168.00 (-8.89%) Homeowner's exemption	$361,600 (-) Land $65,000 Building $296,600	$361,600 (-) Land $65,000 Building $296,600
2023	$1,282.00 Homeowner's exemption	$361,600 Land $65,000 Building $296,600	$361,600 Land $65,000 Building $296,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 95% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 513 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

May also be available: T-Mobile.

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