2681 Larch Ct, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2681 Larch Ct, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 948 sqft · built 1992
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Apr 2024)
Tax Bill	$2,626 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Apr 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.24`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.24`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	948 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	5,227 sqft (0.12 acres)
Lot Dimensions	112 ft deep x 50 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	2681 LARCH CT
City	COVINGTON
State	KY
Zip	41017-9448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERLING'S ADDN TO RIDGEPORT SEC 3 LOT 76
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	3
Legal Lot Number	76
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 21, 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	2681 LARCH CT, COVINGTON, KY 41017-9448
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2024	Deed of Trust, Mortgage · Line of Credit STOCKTON MORTGAGE CORP
Apr 15, 2024	Deed of Trust, Mortgage · VA Mortgage STOCKTON MORTGAGE CORP
Jun 4, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Jan 19, 2023	Warranty Deed, Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO
May 26, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 30, 2019	Warranty Deed, Transfer · FHA Mortgage NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	Jan 19, 2023 · Amount on Record
Deed Document Number	2024178
Deed Book / Page	279 / 521
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2681 LARCH CT, COVINGTON, KY 41017-9448
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2681 LARCH CT, COVINGTON, KY 41017-9448

Mortgage

Document Number	0005900015
Date	Apr 17, 2024
Book Page	KCM541/371
Instrument	24041705900015

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	88 C MICHAEL DAVENPORT BLVD STE 1, FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2034

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2681 LARCH CT, COVINGTON, KY 41017-9448
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900179
Date	Apr 15, 2024
Book Page	KCM540/736
Instrument	24041505900179

Lender

Name	STOCKTON MORTGAGE CORP
Type	Mortgage Company
Address	88 C MICHAEL DAVENPORT BLVD, FRANKFORT, KY 40601

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2681 LARCH CT, COVINGTON, KY 41017-9448
Transaction Type	Mortgage
Record Updated	Jun 1, 2023
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2391 LARCH CT, COVINGTON, KY 41017

Mortgage

Document Number	0005900030
Date	Jun 4, 2021
Book Page	225/796
Instrument	21060405900030

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 1, 2031

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 19, 2023
Property Address	2681 LARCH CT, COVINGTON, KY 41017-9448
Document Number	0005900191
Book / Page	KC 210 / 144
Map Reference	PL B789
Instrument Date	Jan 19, 2023
Instrument	23011905900191
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	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	872 VARGER DRIVE, CINCINNATI, OH 45230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2681 LARCH CT, COVINGTON, KY 41017-9448

Mortgage

Document Number	0005900192
Date	Jan 19, 2023
Book Page	KCM 435/314
Instrument	23011905900192

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40223

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 26, 2021
Property Address	2681 LARCH CT, COVINGTON, KY 41017-9448
Document Number	0005900157
Book / Page	92 / 841
Map Reference	PL B789
Instrument Date	May 17, 2021
Instrument	21052605900157
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	722 WASHINGTON AVE, NEWPORT, KY 41071-1927

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2681 LARCH CT, COVINGTON, KY 41017-9448

Mortgage

Document Number	0005900158
Date	May 26, 2021
Book Page	220/525
Instrument	21052605900158

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 30, 2019
Property Address	2681 LARCH CT, COVINGTON, KY 41017-9448
Document Number	0000000049
Book / Page	0I4270 / 000001
Instrument Date	May 23, 2019
Instrument	49
Transaction Type	Transfer
Record Updated	Jun 14, 2019
Title Company	PRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2681 LARCH CT COVINGTON KY 410179448, COVINGTON, KY 41017-9448

Mortgage

Document Number	51
Date	May 30, 2019
Book Page	0I4270/000004
Instrument	51

Lender

Name	NATIONS RELIABLE LNDG
Address	HOUSTON, TX 77098

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2049

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		$265,000 (-) Land $20,000 Building $245,000	$265,000 (-) Land $20,000 Building $245,000
2025	$2,626.00 (+23.17%)	$265,000 (+32.5%) Land $10,000 Building $255,000	$265,000 (+32.5%) Land $10,000 Building $255,000
2023	$2,132.00	$200,000 Land $10,000 Building $190,000	$200,000 Land $10,000 Building $190,000

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
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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