22 Virginia Ave, Fort Mitchell (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 22 Virginia Ave, Fort Mitchell, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,428 sqft · built 1940
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (May 2009)
Tax Bill	$1,264 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Aug 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028-40-05-068.00`

Property Details

APN / Parcel Number

Primary APN	`028-40-05-068.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,428 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	27,443 sqft (0.63 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	22 VIRGINIA AVE
City	FT MITCHELL
State	KY
Zip	41017-2943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEDGE PARK LOT 15 & PT 14
Legal Subdivision	HEDGE PARK LAND CO
Legal Lot Number	15,14
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
Census Tract	64700

Owner

22 Virginia Ave is owned and occupied by two individuals who bought it in May 2009.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	22 VIRGINIA AVE, FT MITCHELL, KY 41017-2943
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2020	Deed of Trust, Mortgage GUARDIAN SVGS BK
Aug 9, 2018	Deed of Trust, Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2009 · Amount on File
Deed Sale	May 7, 2009 · Amount on File
Deed Document Number	200905 07 059 00068
Deed Book / Page	4002 / 178
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 VIRGINIA AVE, FT MITCHELL, KY 41017-2943
Document Number	0000000313
Instrument Date	Nov 10, 2020
Transaction Type	Mortgage
Record Updated	Dec 10, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22 VIRGINIA AVE BROMLEY KY 410172943, BROMLEY, KY 41017-2943

Mortgage

Document Number	0000000313
Date	Nov 17, 2020
Book Page	00M128/000001
Instrument	313

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 16, 2035

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	22 VIRGINIA AVE, FT MITCHELL, KY 41017-2943
Document Number	0000000256
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 13, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	22 VIRGINIA AVE FORT MITCHELL KY 410172943, FORT MITCHELL, KY 41017-2943

Mortgage

Document Number	0000000256
Date	Aug 21, 2018
Book Page	0C6482/000117
Instrument	256

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 22 Virginia Ave was $1,264.

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		$338,200 (-) Land $65,000 Building $273,200	$338,200 (-) Land $65,000 Building $273,200
2025	$1,264.00	$338,200 Land $65,000 Building $273,200	$338,200 Land $65,000 Building $273,200
2023	$1,376.00	$338,200 Land $65,000 Building $273,200	$338,200 Land $65,000 Building $273,200

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

Flood

FEMA maps place 22 Virginia Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 22 Virginia Ave is low, with less than a 0.01% annual chance of 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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