Kenton County property record for 2385 Lucca Way, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2023 |
| Lot Size | 0.187 acres (8,159 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,152 (Sep 2023) |
| Tax Bill | $4,609 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Sep 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-00-02-096.00 |
| Primary APN | 044-00-02-096.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 8,159 sqft (0.187 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2385 LUCCA WAY |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-3549 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 96 PHASE C SEC 30B TUSCANY SUBD 0.1873 AC |
| Legal Subdivision | TUSCANY SUBDIVISION |
| Legal Phase | 30B |
| Legal Lot Number | 96 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 5 |
| Census Block | 5078 |
| Census Tract | 65300 |
2385 Lucca Way is owned and occupied by two individuals who bought it in September 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2385 LUCCA WAY, FT MITCHELL, KY 41017-3549 |
| 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.
| Date | Document |
|---|---|
| May 24, 2023 | Deed of Trust, Mortgage FISCHER LENDING COMPANY LLC |
| Sep 20, 2023 | Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY MORTGAGE LLC |
| May 2, 2023 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 2023 · Amount on File |
| Deed Sale | Sep 20, 2023 · Amount on File |
| Deed Document Number | 2023104 |
| Deed Book / Page | 247 / 588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2385 LUCCA WAY, COVINGTON, KY 41017-3549 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900021 |
|---|---|
| Date | May 24, 2023 |
| Book Page | KC 227/857 |
| Instrument | 23052405900021 |
| Name | FISCHER LENDING COMPANY LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ERLANGER, KY 41018 |
| Amount | Amount on Record |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 20, 2023 |
| Property Address | 2385 LUCCA WAY, COVINGTON, KY 41017-3549 |
| Document Number | 0005900104 |
| Book / Page | KC 247 / 588 |
| Map Reference | SL 2350&2350A |
| Instrument Date | Sep 1, 2023 |
| Instrument | 23092005900104 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 12, 2024 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2385 LUCCA WAY, COVINGTON, KY 41017-3549 |
| Document Number | 0005900105 |
|---|---|
| Date | Sep 20, 2023 |
| Instrument | 23092005900105 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 2, 2023 |
| Property Address | 2385 LUCCA WAY, COVINGTON, KY 41017-3549 |
| Document Number | 0005900041 |
| Book / Page | KC 224 / 550 |
| Map Reference | PL 2350&2350 |
| Instrument Date | May 1, 2023 |
| Instrument | 23050205900041 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
The 2025 property tax bill for 2385 Lucca Way was $4,609.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $465,100 (-) Land $75,000 Building $390,100 | $465,100 (-) Land $75,000 Building $390,100 | |
| 2025 | $4,609.00 | $465,100 Land $83,400 Building $381,700 | $465,100 Land $83,400 Building $381,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2385 Lucca Way in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2025.
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 | 4 in force |
| Nearby Flood Claims | 2 (2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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 risk around 2385 Lucca Way 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.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max 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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