2688 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2688 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1992
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (Feb 2020)
Tax Bill	$1,516 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Nov 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.05`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.05`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	864 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	6,098 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	2688 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 3 LOT 38
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	3
Legal Lot Number	38
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65300

Owner

2688 Ridgecrest Ln is owned and occupied by an individual who bought it in February 2020.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2688 RIDGECREST LN, COVINGTON, KY 41017-9713
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2024	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 27, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Feb 19, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF ENGLAND
Oct 15, 2019	Trustee's Deed, Construction Loan · Line of Credit VICTORY CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2020 · Amount on File
Deed Sale	Feb 19, 2020 · Amount on File
Prior Sale	Oct 20, 2004 · Amount on File
Deed Document Number	20205900012
Deed Book / Page	7 / 941
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2688 RIDGECREST LN, COVINGTON, KY 41017-9713
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2688 RIDGECREST LN, COVINGTON, KY 41017-9713

Mortgage

Document Number	0005900135
Date	Feb 21, 2024
Book Page	KCM 527/470
Instrument	24022105900135

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 11, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2688 RIDGECREST LN, COVINGTON, KY 41017-9713
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2688 RIDGECREST LN, COVINGTON, KY 41017-9713

Mortgage

Document Number	0005900196
Date	Nov 27, 2023
Book Page	KCM 509/526
Instrument	23112705900196

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 16, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 19, 2020
Property Address	2688 RIDGECREST LN, COVINGTON, KY 41017-9713
Document Number	0000000012
Book / Page	000007 / 000941
Instrument Date	Feb 14, 2020
Instrument	12
Transaction Type	Transfer
Record Updated	Apr 1, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$153.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2688 RIDGECREST LN COVINGTON KY 410179713, COVINGTON, KY 41017-9713

Mortgage

Document Number	13
Date	Feb 19, 2020
Book Page	000M13/000147
Instrument	13

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Feb 18, 2050

October 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Oct 15, 2019
Property Address	2688 RIDGECREST LN, COVINGTON, KY 41017-9713
Book / Page	004345 / 000131
Instrument Date	Sep 23, 2019
Instrument	209
Transaction Type	Construction Loan
Record Updated	Nov 4, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2688 RIDGECREST LN COVINGTON KY 410179713, COVINGTON, KY 41017-9713

Mortgage

Document Number	0000000209
Date	Oct 15, 2019
Book Page	004345/000131
Instrument	209

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 14, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2688 Ridgecrest Ln was $1,516.

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		$177,400 (+15.95%) Land $20,000 Building $157,400	$177,400 (+15.95%) Land $20,000 Building $157,400
2025	$1,516.00	$153,000 Land $10,000 Building $143,000	$153,000 Land $10,000 Building $143,000
2023	$1,630.00	$153,000 Land $10,000 Building $143,000	$153,000 Land $10,000 Building $143,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2688 Ridgecrest Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 2688 Ridgecrest Ln is low, with a 0.01% annual chance of 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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