23 Ferndale Ct, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 23 Ferndale Ct, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 874 sqft · built 1990
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (Jan 2018)
Tax Bill	$1,842 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-40-00-043.00`

Property Details

APN / Parcel Number

Primary APN	`045-40-00-043.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	874 sqft Finished Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	17,860 sqft (0.41 acres)
Lot Dimensions	180 ft deep x 39 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	23 FERNDALE CT
City	FT MITCHELL
State	KY
Zip	41017-9402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S LAKEWOOD HILLS PHASE B PT 1 LOT 43
Legal Subdivision	SOUTH LAKEWOOD HILLS
Legal Phase	1
Legal Lot Number	43
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2005
Census Tract	66801

Owner

23 Ferndale Ct is owned and occupied by two individuals who bought it in January 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 FERNDALE CT, FT MITCHELL, KY 41017-9402
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2018 · Amount on File
Deed Sale	Jan 17, 2018 · Amount on File
Prior Sale	Dec 3, 2009 · Amount on File
Deed Document Number	201801 22 059 00175
Deed Book / Page	4057 / 19
Record Updated	Oct 29, 2026

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jan 17, 2018
Property Address	23 FERNDALE CT, COVINGTON, KY 41017-9402
Document Number	0000000175
Book / Page	0I4057 / 000019
Instrument Date	Jan 10, 2018
Instrument	175
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	MATINGLY FORD TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 FERNDALE CT COVINGTON KY 410179402, COVINGTON, KY 41017-9402

Mortgage

Document Number	176
Date	Jan 17, 2018
Book Page	0I4057/000022
Instrument	176

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 16, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23 Ferndale Ct was $1,842.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$190,100 (+2.26%) Land $20,000 Building $170,100	$190,100 (+2.26%) Land $20,000 Building $170,100
2025	$1,842.00	$185,900 Land $20,000 Building $165,900	$185,900 Land $20,000 Building $165,900
2023	$1,981.00	$185,900 Land $20,000 Building $165,900	$185,900 Land $20,000 Building $165,900

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

Flood

FEMA maps place 23 Ferndale Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 23 Ferndale Ct is low, with 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 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.

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 148 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