2644 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2644 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 864 sqft · built 1992
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Aug 2019)
Tax Bill	$1,919 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-001.40`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-001.40`

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	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 54 ft wide
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	2644 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 27
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	2
Legal Lot Number	27
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65300

Owner

Source: Kenton County records, as of October 21, 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 Record	Individual Name on Record
Mailing Address	2644 RIDGECREST LN, COVINGTON, KY 41017-9713
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2019	Warranty Deed, Transfer · Conventional with PMI FINANCE OF AMERICA MTG
May 14, 2018	Warranty Deed, Transfer · Conventional with PMI ENVOY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2019 · Amount on Record
Deed Sale	Aug 6, 2019 · Amount on Record
Prior Sale	May 14, 2018 · Amount on Record
Deed Document Number	201908 06 059 00235
Deed Book / Page	4307 / 28
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 6, 2019
Property Address	2644 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0000000235
Book / Page	0I4307 / 000028
Instrument Date	Jul 31, 2019
Instrument	235
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2644 RIDGECREST LN COVINGTON KY 410179713, COVINGTON, KY 41017-9713

Mortgage

Document Number	236
Date	Aug 6, 2019
Book Page	0I4307/000031
Instrument	236

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 14, 2018
Property Address	2644 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0000000116
Book / Page	0I4105 / 000343
Instrument Date	May 9, 2018
Instrument	116
Transaction Type	Transfer
Record Updated	Jun 13, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$143.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2644 RIDGECREST LN COVINGTON KY 410179713, COVINGTON, KY 41017-9713

Mortgage

Document Number	117
Date	May 14, 2018
Book Page	0I4105/000345
Instrument	117

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

Tax Assessment & Valuation

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		$193,700 (-) Land $20,000 Building $173,700	$193,700 (-) Land $20,000 Building $173,700
2025	$1,919.00 (-7.03%)	$193,700 (-) Land $10,000 Building $183,700	$193,700 (-) Land $10,000 Building $183,700
2023	$2,064.00	$193,700 Land $10,000 Building $183,700	$193,700 Land $10,000 Building $183,700

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

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

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

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