Kenton County property record for 27 Crystal Lake Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,001 sqft · built 1977 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $158,000 (Mar 2021) |
| Tax Bill | $1,565 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-585.00 |
| Primary APN | 045-30-00-585.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,001 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 130 ft deep x 65 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 27 CRYSTAL LAKE DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 2 LOT 28 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 2 |
| Legal Lot Number | 28 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 66801 |
27 Crystal Lake Dr is owned and occupied by two individuals who bought it in March 2021.
Source: Kenton County records, as of October 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 27 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| 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.
| Date | Document |
|---|---|
| Mar 11, 2021 | Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP |
| Jun 29, 2020 | Quit Claim Deed, Transfer COVE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2021 · Amount on File |
| Deed Sale | Mar 11, 2021 · Amount on File |
| Prior Sale | Apr 1, 1999 · Amount on File |
| Deed Document Number | 20215900172 |
| Deed Book / Page | 76 / 973 |
| Prior Transfer Date | Apr 16, 2003 |
| Prior Transfer Doc | 0422059004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 11, 2021 |
| Property Address | 27 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Number | 0005900172 |
| Book / Page | 76 / 973 |
| Map Reference | MB 19 PG 2 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 21031105900172 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $158.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5120 OLD TAYLOR MILL RD # RD262, 5120, TAYLOR MILL, KY 41015-2567 |
| Name | Verified Name |
|---|---|
| Address | 27 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900173 |
|---|---|
| Date | Mar 11, 2021 |
| Instrument | 21031105900173 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Number | 0005900174 |
|---|---|
| Date | Mar 11, 2021 |
| Book Page | 181/717 |
| Instrument | 21031105900174 |
| Name | LEXINGTON-FAYETTE URBAN COUNTY GOV |
|---|---|
| Type | Government Agency |
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2031 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 29, 2020 |
| Property Address | 27 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Number | 0000000206 |
| Book / Page | 000028 / 000967 |
| Instrument Date | Jun 22, 2020 |
| Instrument | 206 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2020 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 27 CRYSTAL LAKE DR COVINGTON KY 410179736, COVINGTON, KY 41017-9736 |
| Document Number | 207 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 000M63/000913 |
| Instrument | 207 |
| Name | COVE FCU |
|---|---|
| Address | EDGEWOOD, KY 41017 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jun 28, 2035 |
| Document Number | 208, |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 000M63/000927 |
| Instrument | 208 |
| Name | COVE FCU |
|---|---|
| Address | EDGEWOOD, KY 41017 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jun 28, 2035 |
The 2025 property tax bill for 27 Crystal Lake Dr was $1,565.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $176,700 (+11.84%) Land $20,000 Building $156,700 | $176,700 (+11.84%) Land $20,000 Building $156,700 | |
| 2025 | $1,565.00 | $158,000 Land $10,000 Building $148,000 | $158,000 Land $10,000 Building $148,000 |
| 2023 | $1,684.00 | $158,000 Land $10,000 Building $148,000 | $158,000 Land $10,000 Building $148,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 27 Crystal Lake Dr in Zone X, an area of minimal flood risk.
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 risk around 27 Crystal Lake Dr is low, with less than 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 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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