2656 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2656 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	2 Individual Names on Record
Last Sale	$245,000 (Aug 2026)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-001.43`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-001.43`

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
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 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	2656 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 30
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	2
Legal Lot Number	30
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 20, 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 Record
Mailing Address	276 BATTERY CT, 39, FT MITCHELL, KY 41017-5603
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Warranty Deed, Transfer · Conventional Mortgage GENERAL ELECTRIC CREDIT UNION
Aug 24, 2023	Deed of Trust, Mortgage · Line of Credit STOCKTON MORTGAGE CORP
Aug 24, 2023	Survivorship Deed, Transfer · FHA Mortgage STOCKTON MORTGAGE CORP
Mar 13, 2020	Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	Aug 24, 2023 · Amount on Record
Deed Document Number	202617070
Deed Book / Page	471 / 944
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 3, 2026
Property Address	2656 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0000017070
Book / Page	471 / 944
Instrument Date	Jul 23, 2026
Instrument	202617070
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	PROMINENT TITLE LLC, PROMINENT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,745.00
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	Remainderman
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017071,
Date	Aug 3, 2026
Instrument	2026080317071

Lender

Name	GENERAL ELECTRIC CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2656 RIDGECREST LN, COVINGTON, KY 41017-9713
Transaction Type	Mortgage
Record Updated	Sep 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2656 RIDGECREST LN, COVINGTON, KY 41017-9713

Mortgage

Document Number	0005900172
Date	Aug 24, 2023
Book Page	KCM 486/690
Instrument	23082405900172

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2033

August 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	KENTON KY
Recording Date	Aug 24, 2023
Property Address	2656 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0005900170
Book / Page	KC 243 / 144
Map Reference	DOC 5770
Instrument Date	Aug 22, 2023
Instrument	23082405900170
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	314 W 12TH ST, NEWPORT, KY 41071-1513

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2656 RIDGECREST LN, COVINGTON, KY 41017-9713

Mortgage

Document Number	0005900171
Date	Aug 24, 2023
Book Page	KCM 486/674
Instrument	23082405900171

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	FRANKFORT, KY 40601

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 13, 2020
Property Address	2656 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0000000073
Book / Page	000011 / 000695
Instrument Date	Mar 11, 2020
Instrument	73
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE

Transaction

Amount	Amount Recorded
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	2656 RIDGECREST LN COVINGTON KY 410179713, COVINGTON, KY 41017-9713

Mortgage

Document Number	74
Date	Mar 13, 2020
Book Page	000019/000532
Instrument	74

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

Mortgage

Document Number	75,
Date	Mar 13, 2020
Book Page	000019/000550
Instrument	75

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 12, 2030

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		$214,000 (-) Land $20,000 Building $194,000	$214,000 (-) Land $20,000 Building $194,000
2025	$2,120.00 (+28.33%)	$214,000 (+38.06%) Land $10,000 Building $204,000	$214,000 (+38.06%) Land $10,000 Building $204,000
2023	$1,652.00 (-12.82%)	$155,000 (-10.71%) Land $10,000 Building $145,000	$155,000 (-10.71%) Land $10,000 Building $145,000
2022	$1,895.00	$173,600 Land $10,000 Building $163,600	$173,600 Land $10,000 Building $163,600

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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