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23 Crystal Lake Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 23 Crystal Lake Dr, Covington, KY 41017

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 816 sqft · built 1978
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$178,500 (Dec 2020)
Tax Bill$1,768 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Sep 2020 Sale
Flood ZoneZone X (minimal risk)
APN045-30-00-581.00

Property Details

APN / Parcel Number

Primary APN045-30-00-581.00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area816 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleBi-Level
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Street Address23 CRYSTAL LAKE DR
CityCOVINGTON
StateKY
Zip41017-9736
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKEWOOD HILLS SEC 2 LOT 26
Legal SubdivisionLAKEWOOD HILLS
Legal Phase2
Legal Lot Number26
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group1
Census Block1017
Census Tract66801

Owner

23 Crystal Lake Dr is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record2 Individual Names on File
Mailing Address23 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Dec 4, 2020Grant Deed, Transfer · Conventional with PMI
AMERICAN MTG SVC
Sep 25, 2020Warranty Deed, Transfer
360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 4, 2020 · Amount on File
Deed SaleDec 4, 2020 · Amount on File
Prior SaleSep 25, 2020 · Amount on File
Deed Document Number20205900233
Deed Book / Page59 / 286
Record UpdatedOct 29, 2026

December 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateDec 4, 2020
Property Address23 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736
Document Number0000000033
Book / Page000059 / 000286
Instrument DateNov 30, 2020
Instrument33
Transaction TypeTransfer
Record UpdatedDec 30, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$179.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address23 CRYSTAL LAKE DR COVINGTON KY 410179736, COVINGTON, KY 41017-9736

Mortgage

Document Number234
DateDec 4, 2020
Book Page00M136/000393
Instrument234
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueDec 3, 2050

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 25, 2020
Property Address23 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736
Document Number0000000079
Book / Page000045 / 000641
Instrument DateSep 21, 2020
Instrument79
Transaction TypeTransfer
Record UpdatedOct 21, 2020
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount on Record
Tax$105.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address65 HANOVER PL FORT THOMAS KY 410752041, FORT THOMAS, KY 41075-2041

Tax Assessment & Valuation

The 2025 property tax bill for 23 Crystal Lake Dr was $1,768.

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$189,500 (+6.16%) Land $20,000 Building $169,500$189,500 (+6.16%) Land $20,000 Building $169,500
2025$1,768.00$178,500 Land $10,000 Building $168,500$178,500 Land $10,000 Building $168,500
2023$1,902.00$178,500 Land $10,000 Building $168,500$178,500 Land $10,000 Building $168,500

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

Flood

FEMA maps place 23 Crystal Lake Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 23 Crystal Lake Dr 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 RiskLow
lower than 93% of the US · lower than 92% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 385 locations within half a mile, as of December 31, 2025

ProviderMax 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

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