2685 Larch Ct, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2685 Larch Ct, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 864 sqft · built 1992
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$147,770 (Apr 2019)
Tax Bill	$1,829 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.23`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.23`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	864 sqft Finished Area

Exterior

Year Built	Built 1992
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	107 ft deep x 53 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0453000002.23
Street Address	2685 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 75
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	3
Legal Lot Number	75
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	65300

Owner

Source: Kenton County assessment roll, as of April 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2685 LARCH CT, COVINGTON, KY 41017-9448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2020	Deed of Trust, Mortgage · Conventional with PMI AMERICAN MTG SVC
Apr 1, 2019	Grant Deed, Transfer · Conventional with PMI AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 1, 2019 · Amount on Record
Deed Sale	Apr 1, 2019 · Amount on Record
Prior Sale	Apr 23, 2013 · Amount on Record
Deed Document Number	0004244171
Deed Book / Page	4244 / 171
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2685 LARCH CT, COVINGTON, KY 41017-9448
Document Number	0000000099
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 LARCH CT COVINGTON KY 410179448, COVINGTON, KY 41017-9448

Mortgage

Document Number	0000000099
Date	Mar 6, 2020
Book Page	000M17/000384
Instrument	99

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 1, 2019
Property Address	2685 LARCH CT, COVINGTON, KY 41017-9448
Document Number	0000000204
Book / Page	0I4244 / 000171
Instrument Date	Mar 29, 2019
Instrument	204
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$147.77
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2685 LARCH CT COVINGTON KY 410179448, COVINGTON, KY 41017-9448

Mortgage

Document Number	206
Date	Apr 1, 2019
Book Page	0I4244/000175
Instrument	206

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$1,829.00 (-7.02%)	$184,600 (-) Land $10,000 Building $174,600	$184,600 (-) Land $10,000 Building $174,600
2023	$1,967.00	$184,600 Land $10,000 Building $174,600	$184,600 Land $10,000 Building $174,600

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
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 at the parcel

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)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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