26 Memory Ln, Fort Thomas, KY 41075 Property Records

Campbell County property record for 26 Memory Ln, Fort Thomas, KY 41075

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,360 sqft · built 1965
Owner	2 Owner Names on File
Last Sale	$410,000 (Sep 2012)
Tax Bill	$2,490 (2025)
Deeds & Mortgages	May 2021 Line of Credit Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-16-602.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-16-602.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Stories	2 Stories
Building Area	3,360 sqft Living Area

Exterior

Year Built	Built 1965
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999916602.00
Street Address	26 MEMORY LN
City	FORT THOMAS
State	KY
Zip	41075-1062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 SEC 1 PT LOT 10 SEC 2 WINSTON ACRES
Legal Subdivision	WINSTON ACRES
Legal Phase	1&2
Legal Lot Number	2,10
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	2
Census Block	2000
Census Tract	51300

Owner

The current owner of 26 Memory Ln bought it in September 2012.

Source: Campbell County records, as of March 6, 2026

Owner of Record	2 Owner Names on File
Mailing Address	26 MEMORY LN, FORT THOMAS, KY 41075-1062
Occupancy	Owner Occupied

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

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Apr 22, 2021	Deed of Trust, Mortgage UNION SAVINGS BANK
Feb 17, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2012 · Amount on File
Deed Sale	Sep 7, 2012 · Amount on File
Prior Sale	Oct 26, 2004 · Amount on File
Deed Document Number	09 07 12 019 00062
Deed Book / Page	0746 / 121
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	26 MEMORY LN, FORT THOMAS, KY 41075-1062
Transaction Type	Mortgage
Record Updated	May 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 MEMORY LN, FORT THOMAS, KY 41075-1062

Mortgage

Document Number	0005131485
Date	May 5, 2021
Book Page	M2284/428
Instrument	5131485

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	119 Months
Due	Apr 14, 2031

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	26 MEMORY LN, FORT THOMAS, KY 41075-1062
Transaction Type	Mortgage
Record Updated	May 7, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005130562
Date	Apr 22, 2021
Book Page	M2282/162
Instrument	5130562

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount on Record
Term	241 Months
Due	May 1, 2041

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	26 MEMORY LN, FORT THOMAS, KY 41075-1062
Document Number	0005070369
Instrument Date	Feb 17, 2018
Transaction Type	Mortgage
Record Updated	May 3, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	26 MEMORY LN FORT THOMAS KY 410751062, FORT THOMAS, KY 41075-1062

Mortgage

Document Number	0005070369
Date	Mar 7, 2018
Book Page	002138/000556
Instrument	5070369

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 26 Memory Ln was $2,490.

Source: Campbell County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Fort Thomas City
Unified School District	Fort Thomas Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,490.00	$675,000 Land $109,000 Building $566,000	$675,000 Land $109,000 Building $566,000
2023	$2,152.00 (-2.49%)	$545,000 (-) Land $109,000 Building $436,000	$545,000 (-) Land $109,000 Building $436,000
2022	$2,207.00	$545,000 Land $109,000 Building $436,000	$545,000 Land $109,000 Building $436,000

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

Flood

FEMA maps place 26 Memory Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 24, 2021

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

Wildfire risk around 26 Memory Ln is low, with less than 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 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 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.

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 234 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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