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

Kenton County property record for 22 Oak St, Fort Mitchell, KY 41017

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,928 sqft · built 1915
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$682,826 (Nov 2025)
Tax Bill	$374 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Dec 2023 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`028-40-05-083.00`

Property Details

APN / Parcel Number

Primary APN	`028-40-05-083.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,928 sqft Finished Area
Gross Area	2,110 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,928 sqft (0.182 acres)
Lot Dimensions	385 ft deep x 120 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 OAK ST
City	FT MITCHELL
State	KY
Zip	41017-2945
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND PK LD CO REPLAT LOTS 65 & 66 LOT 3 0.182 AC
Legal Subdivision	HIGHLAND PARK LAND CO
Legal Phase	65&6
Legal Lot Number	3
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	25 OAK ST, FT MITCHELL, KY 41017-2944
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
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
Nov 17, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST EQUITY MORTGAGE INC
Apr 16, 2025	Special Warranty Deed, Transfer
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	2 Names on Deed
Last Sale	Nov 17, 2025 · Amount on Record
Deed Sale	Nov 17, 2025 · Amount on Record
Prior Sale	Apr 16, 2025 · Amount on Record
Deed Document Number	202562
Deed Book / Page	375 / 255
Prior Transfer Date	Apr 3, 2025
Prior Transfer Doc	0005900099
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 OAK ST, FT MITCHELL, KY 41017-2945
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

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	22 OAK ST, FT MITCHELL, KY 41017-2945
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

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

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 17, 2025
Property Address	22 OAK ST, FT MITCHELL, KY 41017-2945
Document Number	0005900062
Book / Page	KC 375 / 255
Map Reference	MB 27 PG 543
Instrument Date	Nov 14, 2025
Instrument	25111705900062
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	211 GRANDVIEW DR, FORT MITCHELL, KY 41017-2759

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	25 OAK ST, FORT MITCHELL, KY 41017-2944

Mortgage

Document Number	0005900063
Date	Nov 17, 2025
Instrument	25111705900063

Lender

Name	FIRST EQUITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

April 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 16, 2025
Property Address	22 OAK ST, FT MITCHELL, KY 41017-2945
Document Number	0005900155
Book / Page	KC 338 / 523
Map Reference	MB 1 PG 2451
Instrument Date	Apr 14, 2025
Instrument	25041605900155
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	211 GRANDVIEW DR, FORT MITCHELL, KY 41017-2759
Investor	Possibly a Property Investor

April 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Apr 3, 2025
Property Address	22 OAK ST, FT MITCHELL, KY 41017-2945
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	Jan 20, 2026

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	22 OAK ST, FT MITCHELL, KY 41017-2945
Document Number	0005900104
Book / Page	189 / 951
Instrument Date	Sep 9, 2022
Instrument	22091405900104
Transaction Type	Transfer
Record Updated	Jan 20, 2026

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
Book Page	406/658
Instrument	22091405900105

Lender

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

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	22 OAK ST, FT MITCHELL, KY 41017-2945
Document Number	0005900080
Book / Page	105 / 921
Instrument Date	Jun 30, 2021
Instrument	21072205900080
Transaction Type	Transfer
Record Updated	Jan 20, 2026

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	22 OAK ST, FT MITCHELL, KY 41017-2945
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		$682,800 (+582.8%) Land $177,500 Building $505,300	$682,800 (+582.8%) Land $177,500 Building $505,300
2025	$374.00 (-69.37%)	$100,000 (-66.67%) Land $100,000	$100,000 (-66.67%) Land $100,000
2023	$1,221.00	$300,000 Land $50,000 Building $250,000	$300,000 Land $50,000 Building $250,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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