2640 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2640 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 864 sqft · built 1992
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on File
Last Sale	$242,000 (Jun 2026)
Tax Bill	$1,782 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-001.39`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-001.39`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	864 sqft Finished Area

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2640 RIDGECREST LN
City	COVINGTON
State	KY
Zip	41017-9713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERLING'S ADDN TO RIDGEPORT SEC 2 LOT 26
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	2
Legal Lot Number	26
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65300

Owner

2640 Ridgecrest Ln is owned by a company that bought it in June 2026.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	2811 MOFFETT RD, INDEPENDENCE, KY 41051-7741
Owner Type	Company
Vesting	Limited Liability Partnership

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
Jun 4, 2026	Deed, Transfer · Conventional Mortgage FORCHT BANK NA
Oct 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2026 · Amount on File
Deed Sale	Jun 4, 2026 · Amount on File
Prior Sale	Jan 27, 2025
Deed Document Number	202611662
Deed Book / Page	441 / 874
Prior Transfer Date	Dec 17, 2024
Prior Transfer Doc	0005900093
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jun 4, 2026
Property Address	2640 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0000011662
Book / Page	441 / 874
Instrument Date	Jun 1, 2026
Instrument	202611662
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	KENTUCKY LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,442.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	2811 MOFFETT RD, INDEPENDENCE, KY 41051-7741

Mortgage

Document Number	0000011663,
Date	Jun 4, 2026
Instrument	2026060411663

Lender

Name	FORCHT BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2640 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0000000207
Instrument Date	Oct 11, 2020
Transaction Type	Mortgage
Record Updated	Dec 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2640 RIDGECREST LN COVINGTON KY 410179713, COVINGTON, KY 41017-9713

Mortgage

Document Number	0000000207
Date	Nov 6, 2020
Book Page	00M122/000556
Instrument	207

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2640 Ridgecrest Ln was $1,782.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$191,200 (+6.28%) Land $20,000 Building $171,200	$191,200 (+6.28%) Land $20,000 Building $171,200
2025	$1,782.00	$179,900 Land $10,000 Building $169,900	$179,900 Land $10,000 Building $169,900
2023	$1,917.00	$179,900 Land $10,000 Building $169,900	$179,900 Land $10,000 Building $169,900

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

Flood

FEMA maps place 2640 Ridgecrest Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 2640 Ridgecrest Ln 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.

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 417 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridgecrest Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures