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

Kenton County property record for 21 Oak St, Fort Mitchell, KY 41017

Property Summary

Property Type	Other Improved
Details	2 bd · 1 ba · 1,123 sqft · built 1910
Lot Size	0.218 acres (9,483 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Dec 2025)
Tax Bill	$729 (2025)
Deeds & Mortgages	Dec 2025 Sale Oct 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`028-40-05-082.00`

Property Details

APN / Parcel Number

Primary APN	`028-40-05-082.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,123 sqft Finished Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	9,483 sqft (0.218 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	21 OAK ST
City	FT MITCHELL
State	KY
Zip	41017-2944
Property Category	Other
Property Type	Other > Other Improved
Legal Description	HIGHLAND PK LD CO REPLAT OF REPLAT OF LOTS 65 & 66 LOT 1A 0.2177 AC
Legal Subdivision	HIGHLAND PARK LAND CO
Legal Lot Number	1A
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	Individual Name on Record
Mailing Address	1125 MADISON AVE, COVINGTON, KY 41011-3115
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Warranty Deed, Transfer
Oct 13, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF KENTUCKY
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF KENTUCKY
Apr 3, 2025	Intrafamily Transfer, Transfer
Sep 14, 2022	Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF KENTUCKY
Jul 22, 2021	Quit Claim Deed, Transfer Quitclaim
Jan 5, 2021	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2025 · Amount on Record
Deed Sale	Dec 31, 2025 · Amount on Record
Prior Sale	May 7, 2024 · Amount on Record
Deed Document Number	202531
Deed Book / Page	383 / 339
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 31, 2025
Property Address	21 OAK ST, FT MITCHELL, KY 41017-2944
Document Number	0005900031
Book / Page	KC 383 / 339
Map Reference	MB 1 PG 2417
Instrument Date	Dec 30, 2025
Instrument	25123105900031
Transaction Type	Transfer
Record Updated	Jan 14, 2026

Transaction

Amount	Amount Recorded
Tax	$270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2493 STONEWELL TRL, FT MITCHELL, KY 41017-4206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1125 MADISON AVE, COVINGTON, KY 41011-3115

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 OAK ST, FT MITCHELL, KY 41017-2944
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2493 STONEWELL TRL, FORT MITCHELL, KY 41017-4206

Mortgage

Document Number	0005900113
Date	Oct 13, 2023
Book Page	KCM 499/690
Instrument	23101305900113

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jan 4, 2053

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	21 OAK ST, FT MITCHELL, KY 41017-2944
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 STONEWALL TRAIL, FORT WRIGHT, KY 41011

Mortgage

Document Number	0005900126
Date	Dec 21, 2023
Book Page	KCM 516/47
Instrument	23122105900126

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Apr 3, 2025
Property Address	21 OAK ST, FT MITCHELL, KY 41017-2944
Document Number	0005900099
Book / Page	KC 336 / 409
Map Reference	MB 1 PG 2451
Instrument Date	Apr 3, 2025
Instrument	25040305900099
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2493 STONEWELL TRL, FT WRIGHT, KY 41017-4206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2493 STONEWELL TRL, FT MITCHELL, KY 41017-4206

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Sep 14, 2022
Property Address	21 OAK ST, FT MITCHELL, KY 41017-2944
Document Number	0005900104
Book / Page	189 / 951
Instrument Date	Sep 9, 2022
Instrument	22091405900104
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26 SILVER AVEA, FT WRIGHT, KY 41017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2493 STOREWELL TROIL, FT WRIGHT, KY 41017

Mortgage

Document Number	0005900105
Date	Sep 14, 2022
Instrument	22091405900105

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 13, 2023

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jul 22, 2021
Property Address	21 OAK ST, FT MITCHELL, KY 41017-2944
Document Number	0005900080
Book / Page	105 / 921
Instrument Date	Jun 30, 2021
Instrument	21072205900080
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	201 E 5TH ST # ST1900, ST1900, CINCINNATI, OH 45202-4152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 WRIGHTSUMMIT PKWY STE 120, 120, FT WRIGHT, KY 41011-2775

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jan 5, 2021
Property Address	21 OAK ST, FT WRIGHT, KY 41017-2944
Document Number	0000000053
Book / Page	000064 / 000086
Instrument Date	Dec 7, 2020
Instrument	53
Transaction Type	Transfer
Record Updated	Feb 25, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$400.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	201 E 5TH ST #1900 CINCINNATI OH 452024162, 1900, CINCINNATI, OH 45202-4162

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		$270,000 (+38.46%) Land $270,000	$270,000 (+38.46%) Land $270,000
2025	$729.00 (-28.32%)	$195,000 (-22%) Land $195,000	$195,000 (-22%) Land $195,000
2023	$1,017.00	$250,000 Land $40,000 Building $210,000	$250,000 Land $40,000 Building $210,000

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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