Kenton County property record for 21 Lorup Ave, Fort Wright, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,492 sqft · built 1956 |
| Lot Size | 0.53 acres (23,087 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $210,000 (Aug 2018) |
| Tax Bill | $3,419 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Feb 2020 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-10-00-145.00 |
| Primary APN | 042-10-00-145.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Stories | 1 Story |
| Building Area | 2,492 sqft Finished Area |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 23,087 sqft (0.53 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 21 LORUP AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KREUTZJANS ADDN TO FT WRIGHT BLK A W 48' LOT 11 & E 95' LOT 12 |
| Legal Subdivision | KREUTZJANS GEO |
| Legal Phase | A |
| Legal Block | A |
| Legal Lot Number | 11,12 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 65200 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 21 LORUP AVE, COVINGTON, KY 41011-3621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO |
| Feb 28, 2020 | Deed of Trust, Construction Loan · Construction Mortgage AMERICAN MTG SVC |
| Aug 9, 2018 | Warranty Deed, Transfer · Conventional with PMI AMERICAN MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2018 · Amount on Record |
| Deed Sale | Aug 9, 2018 · Amount on Record |
| Deed Document Number | 201808 09 059 00049 |
| Deed Book / Page | 6473 / 258 |
| Prior Transfer Date | Oct 20, 2014 |
| Prior Transfer Doc | 0005900152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 21 LORUP AVE, COVINGTON, KY 41011-3621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900268 |
|---|---|
| Date | Mar 12, 2021 |
| Book Page | 182/290 |
| Instrument | 21031205900268 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 28, 2020 |
| Property Address | 21 LORUP AVE, COVINGTON, KY 41011-3621 |
| Document Number | 0000000088 |
| Book / Page | 000M15 / 000412 |
| Instrument Date | Feb 21, 2020 |
| Instrument | 88 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 20, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 21 LORUP AVE FORT WRIGHT KY 410113621, FORT WRIGHT, KY 41011-3621 |
| Document Number | 0000000088 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 000M15/000412 |
| Instrument | 88 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Feb 27, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 9, 2018 |
| Property Address | 21 LORUP AVE, COVINGTON, KY 41011-3621 |
| Document Number | 0000000049 |
| Book / Page | 0C6473 / 000258 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 49 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $210.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 21 LORUP AVE COVINGTON KY 410113621, COVINGTON, KY 41011-3621 |
| Document Number | 50 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 0C6473/000261 |
| Instrument | 50 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 8, 2038 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Wright City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $345,100 (-) Land $55,000 Building $290,100 | $345,100 (-) Land $55,000 Building $290,100 | |
| 2025 | $3,419.00 (+52.77%) | $345,100 (+64.33%) Land $55,000 Building $290,100 | $345,100 (+64.33%) Land $55,000 Building $290,100 |
| 2023 | $2,238.00 | $210,000 Land $45,000 Building $165,000 | $210,000 Land $45,000 Building $165,000 |
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 | Direct burnable vegetation |
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 223 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 |
| AT&T Fixed Wireless | 100 / 20 |
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