243 Ft Mitchell Ave, Fort Mitchell (Covington), KY 41011 Property Records

Kenton County property record for 243 Ft Mitchell Ave, Fort Mitchell, KY 41011 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3.5 Baths
Year Built	Built 1921
Square Footage	2,934 sqft Finished Area
Lot Size	8,712 sqft (0.2 acres)
Occupancy	Owner Occupied
Last Sale	$225,000 (2006)
Tax Bill	$2,195.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`027-40-02-004.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,934 sqft Finished Area
Gross Area	1,986 sqft Gross Area
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Roof Material	Composition Shingle Roof
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	243 FORT MITCHELL AVE
City	FT MITCHELL
State	KY
Zip	41011-2622
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	FT MITCHELL LOT 16
Legal Subdivision	FT MITCHELL
Legal Lot Number	16
Jurisdiction	KENTON KY
Minor Civil Division	COVINGTON
Census Blockgroup	2
Census Block	2018
Census Tract	64800

Owner

Source: Kenton County records · APN 027-40-02-004.00

Assessment roll updated December 2, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	243 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2622
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 18, 2019	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND
Oct 13, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 02, 2006 · Amount on Record
Deed Sale	Jun 02, 2006 · Amount on Record
Prior Sale	May 02, 2005 · Amount on Record
Deed Doc Number	200606 02 059 00314
Deed Book / Page	3030 / 205
Record Refreshed	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	243 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2622
Transaction Type	Mortgage
Record Updated	Jan 08, 2024
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900073
Date	Oct 27, 2021
Book Page	291/448
Instrument	21102705900073

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2041

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	243 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2622
Document Number	0000000058
Instrument Date	Dec 18, 2019
Transaction Type	Mortgage
Record Updated	Mar 19, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	243 FORT MITCHELL AVE FORT MITCHELL KY 410112622, FORT MITCHELL, KY 41011-2622

Mortgage

Document Number	0000000058
Date	Jan 07, 2020
Book Page	0000M1/000635
Instrument	58

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 06, 2050

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	243 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2622
Document Number	0000000202
Instrument Date	Oct 13, 2018
Transaction Type	Mortgage
Record Updated	Nov 20, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	243 FORT MITCHELL AVE FORT MITCHELL KY 410112622, FORT MITCHELL, KY 41011-2622

Mortgage

Document Number	0000000202
Date	Nov 01, 2018
Book Page	0C6537/000138
Instrument	202

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Mitchell City
Unified School District	Beechwood Independent School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,195.00 (-8.12%)	$587,000 (-) Land $120,000 Building $467,000	$587,000 (-) Land $120,000 Building $467,000
2023	$2,389.00	$587,000 Land $120,000 Building $467,000	$587,000 Land $120,000 Building $467,000

Flood & Wildfire

243 Ft Mitchell Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 37th in Kentucky
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

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

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release

Historic District	Within the Old Fort Mitchell Historic District listed 1989 · 104 contributing resources · NRIS 89001170

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

243 Ft Mitchell Ave, Fort Mitchell (Covington), KY 41011 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Historic Designation

Nearby Properties on Ft Mitchell Ave

Nearby Streets

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