2675 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2675 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 912 sqft · built 1992
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$116,000 (Jun 2019)
Tax Bill	$1,850 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jan 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.38`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.38`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	912 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	6,534 sqft (0.15 acres)
Lot Dimensions	120 ft deep x 62 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2675 RIDGECREST LN
City	COVINGTON
State	KY
Zip	41017-9778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERLING'S ADDN TO RIDGEPORT SEC 3 LOT 93
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	3
Legal Lot Number	93
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	65300

Owner

Source: Kenton County records, as of October 20, 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	2675 RIDGECREST LN, COVINGTON, KY 41017-9778
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jan 10, 2017	Loan Modification, Mortgage · Conventional Mortgage KENTUCKY HSNG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Dec 5, 2007 · Amount on Record
Deed Document Number	201906 28 059 00066
Deed Book / Page	4285 / 129
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2675 RIDGECREST LN, COVINGTON, KY 41017-9778
Transaction Type	Mortgage
Record Updated	Feb 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900268
Date	Feb 2, 2021
Book Page	161/818
Instrument	21020205900268

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	2675 RIDGECREST LN, COVINGTON, KY 41017-9778
Document Number	0000000032
Book / Page	0I3894 / 000314
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	May 10, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2675 RIDGECREST LN COVINGTON KY 410179778, COVINGTON, KY 41017-9778

Mortgage

Document Number	0000000032
Date	Feb 7, 2017
Book Page	0I3894/000314
Instrument	32

Lender

Name	KENTUCKY HSNG
Address	FRANKFORT, KY 40601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 6, 2037

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		$186,700 (-) Land $20,000 Building $166,700	$186,700 (-) Land $20,000 Building $166,700
2025	$1,850.00 (-7.04%)	$186,700 (-) Land $10,000 Building $176,700	$186,700 (-) Land $10,000 Building $176,700
2023	$1,990.00	$186,700 Land $10,000 Building $176,700	$186,700 Land $10,000 Building $176,700

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.

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