Kenton County property record for 2312 Grace Ave, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,152 sqft · built 1954 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $142,000 (Nov 2018) |
| Tax Bill | $2,081 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-10-01-013.00 |
| Primary APN | 028-10-01-013.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,152 sqft Finished Area |
| Gross Area | 852 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2312 GRACE AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2058 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HURDS A C 2ND LOT 49 0.14 ACS NS GRACE AVE |
| Legal Subdivision | HURD A C |
| Legal Phase | 2 |
| Legal Lot Number | 49 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 64700 |
2312 Grace Ave is owned and occupied by an individual who bought it in November 2018.
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 File |
|---|---|
| Mailing Address | 2312 GRACE AVE, FT MITCHELL, KY 41017-2058 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Nov 21, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 21, 2018 · Amount on File |
| Deed Sale | Nov 21, 2018 · Amount on File |
| Prior Sale | Apr 19, 2016 · Amount on File |
| Deed Document Number | 201811 21 059 00018 |
| Deed Book / Page | 6549 / 180 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2312 GRACE AVE, FT MITCHELL, KY 41017-2058 |
| Transaction Type | Mortgage |
| Record Updated | Jan 2, 2026 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|---|
| Address | 2312 GRACE AVE, FORT MITCHELL, KY 41017-2058 |
| Document Number | 0005900104 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | KCM 716/875 |
| Instrument | 25121505900104 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Type Change Date | Jan 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 9.5% |
| Index | 1-Year CMT |
| Max Rate | 13.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 21, 2018 |
| Property Address | 2312 GRACE AVE, FT MITCHELL, KY 41017-2058 |
| Document Number | 0000000018 |
| Book / Page | 0C6549 / 000180 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 18 |
| Transaction Type | Transfer |
| Record Updated | Dec 5, 2018 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $142.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2312 GRACE AVE FORT MITCHELL KY 410172058, FORT MITCHELL, KY 41017-2058 |
| Document Number | 19 |
|---|---|
| Date | Nov 21, 2018 |
| Book Page | 0C6549/000183 |
| Instrument | 19 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 20, 2048 |
The 2025 property tax bill for 2312 Grace Ave was $2,081.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Mitchell City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $210,000 (-) Land $50,000 Building $160,000 | $210,000 (-) Land $50,000 Building $160,000 | |
| 2025 | $2,081.00 | $210,000 Land $50,000 Building $160,000 | $210,000 Land $50,000 Building $160,000 |
| 2023 | $2,238.00 | $210,000 Land $50,000 Building $160,000 | $210,000 Land $50,000 Building $160,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2312 Grace 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 risk around 2312 Grace Ave 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 104 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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