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2349 Lucca Way, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2349 Lucca Way, Covington, KY 41017

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · built 2021
Lot Size0.195 acres (8,481 sqft)
Owner2 Individual Names on Record
Last Sale$510,000 (Jul 2026)
Tax Bill$4,331 (2025)
Deeds & MortgagesJul 2026 Sale & Mortgage
Aug 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN044-00-02-088.00

Property Details

APN / Parcel Number

Primary APN044-00-02-088.00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialStone
Foundation TypeConcrete
Lot Area8,481 sqft (0.195 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address2349 LUCCA WAY
CityFT MITCHELL
StateKY
Zip41017-3549
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 88 PHASE C SEC 20 TUSCANY SUBD 0.1947 AC
Legal SubdivisionTUSCANY SUBDIVISION
Legal Phase20
Legal Lot Number88
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group5
Census Block5078
Census Tract65300

Owner

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 Record2 Individual Names on Record
Mailing Address2349 LUCCA WAY, FT MITCHELL, KY 41017-3549
OccupancyOwner Occupied
Owner TypeIndividual
VestingRemainderman

Deeds, Mortgages & Sale History

DateDocument
Jul 20, 2026Warranty Deed, Transfer · Conventional Mortgage
GUARDIAN SAVINGS BANK
Aug 2, 2021Deed of Trust, Mortgage · Unknown
FISCHER ATTACHED HOMES III LLC
Jan 4, 2022Deed, Subdivision Related Transfer · Conventional Mortgage
VICTORY MORTGAGE LLC
Jun 28, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 20, 2026 · Amount on Record
Deed SaleJul 20, 2026 · Amount on Record
Prior SaleJan 4, 2022 · Amount on Record
Deed Document Number202615287
Deed Book / Page461 / 678
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJul 20, 2026
Property Address2349 LUCCA WAY, FT MITCHELL, KY 41017-3549
Document Number0000015287
Book / Page461 / 678
Instrument DateJul 1, 2026
Instrument202615287
Transaction TypeTransfer
Record UpdatedSep 22, 2026
Title CompanyAGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SERVIC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$51,510.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRemainderman
Address2349 LUCCA WAY, FT MITCHELL, KY 41017-3549

Mortgage

Document Number0000015288,
DateJul 20, 2026
Instrument2026072015288
Lender
NameGUARDIAN SAVINGS BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.5%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address2349 LUCCA WAY, COVINGTON, KY 41017-3549
Transaction TypeMortgage
Record UpdatedJan 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900057
DateAug 2, 2021
Book Page108/15
Instrument21080205900057
Lender
NameFISCHER ATTACHED HOMES III LLC
TypeNon-Lending Institution
AddressERLANGER, KY 41018
Agreement
TypeUnknown
AmountAmount Recorded
Term20 Months
DueMar 31, 2023

January 2022: Deed, Subdivision Related Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateJan 4, 2022
Property Address2349 LUCCA WAY, COVINGTON, KY 41017-3549
Document Number0005900192
Book / Page140 / 222
Map ReferenceSL 2247&2247A
Instrument DateDec 14, 2021
Instrument22010405900192
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 10, 2023
Title CompanyHOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$437.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593

Transferred To (Grantee/Buyer)

NameVerified Name
Address2349 LUCCA WAY, COVINGTON, KY 41017-3549

Mortgage

Document Number0005900193
DateJan 4, 2022
Instrument22010405900193
Lender
NameVICTORY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2052

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 28, 2021
Property Address2349 LUCCA WAY, COVINGTON, KY 41017-3549
Document Number0005900154
Book / Page100 / 594
Map ReferenceSL 2247&2247A
Instrument DateJun 15, 2021
Instrument21062805900154
Transaction TypeTransfer
Record UpdatedJan 10, 2023

Transaction

AmountAmount Recorded
Tax$66.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593

Transferred To (Grantee/Buyer)

NameVerified Name
Address3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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$437,100 (-) Land $75,000 Building $362,100$437,100 (-) Land $75,000 Building $362,100
2025$4,331.00 (-7.04%)$437,100 (-) Land $65,700 Building $371,400$437,100 (-) Land $65,700 Building $371,400
2023$4,659.00$437,100 Land $65,700 Building $371,400$437,100 Land $65,700 Building $371,400

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

Flood

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims2 (2025)
Most Recent ClaimApr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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