2701 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2701 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 988 sqft · built 1992
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Dec 2020)
Tax Bill	$1,932 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.50`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.50`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	988 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	6,970 sqft (0.16 acres)
Lot Dimensions	120 ft deep x 55 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	2701 RIDGECREST LN
City	COVINGTON
State	KY
Zip	41017-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERLING'S ADDN TO RIDGEPORT SEC 4 LOT 56
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	4
Legal Lot Number	56
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	65300

Owner

2701 Ridgecrest Ln is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2701 RIDGECREST LN, COVINGTON, KY 41017-9406
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
Aug 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK
Dec 11, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MTG SVC
Dec 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage KENTUCKY HSNG
Dec 21, 2020	Warranty Deed, Transfer · FHA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2020 · Amount on File
Deed Sale	Dec 21, 2020 · Amount on File
Deed Document Number	20205900308
Deed Book / Page	62 / 114
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Aug 27, 2026
Property Address	2701 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0000019729
Book / Page	489 / 293
Instrument Date	Aug 21, 2026
Instrument	202619729
Transaction Type	Mortgage
Record Updated	Sep 16, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2701 RIDGECREST LN, COVINGTON, KY 41017-9406

Mortgage

Document Number	0000019729,
Date	Aug 27, 2026
Book Page	489/293
Instrument	202619729

Lender

Name	US BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2701 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0000000309
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2701 RIDGECREST LN COVINGTON KY 410179406, COVINGTON, KY 41017-9406

Mortgage

Document Number	0000000309
Date	Dec 21, 2020
Book Page	00M144/000325
Instrument	309

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2701 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0000000310
Instrument Date	Dec 11, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2701 RIDGECREST LN COVINGTON KY 410179406, COVINGTON, KY 41017-9406

Mortgage

Document Number	0000000310
Date	Dec 21, 2020
Book Page	00M144/000340
Instrument	310

Lender

Name	KENTUCKY HSNG
Address	1231 LOUISVILLE RD, FRANKFORT, KY 40601-6156

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 20, 2030

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 21, 2020
Property Address	2701 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0000000308
Book / Page	000062 / 000114
Instrument Date	Dec 11, 2020
Instrument	308
Transaction Type	Transfer
Record Updated	Jan 19, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
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	2701 RIDGECREST LN COVINGTON KY 410179406, COVINGTON, KY 41017-9406

Mortgage

Document Number	309
Date	Dec 21, 2020
Book Page	00M144/000325
Instrument	309

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 20, 2050

Mortgage

Document Number	310,
Date	Dec 21, 2020
Book Page	00M144/000340
Instrument	310

Lender

Name	KENTUCKY HSNG
Address	1231 LOUISVILLE RD, FRANKFORT, KY 40601-6156

Agreement

Amount	Amount on Record
Term	120 Months
Due	Dec 20, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 2701 Ridgecrest Ln was $1,932.

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		$197,400 (+1.23%) Land $20,000 Building $177,400	$197,400 (+1.23%) Land $20,000 Building $177,400
2025	$1,932.00	$195,000 Land $10,000 Building $185,000	$195,000 Land $10,000 Building $185,000
2023	$2,078.00	$195,000 Land $10,000 Building $185,000	$195,000 Land $10,000 Building $185,000

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

Flood

FEMA maps place 2701 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 2701 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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