2705 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2705 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 988 sqft · built 1992
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (May 2023)
Tax Bill	$2,477 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Jul 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.49`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.49`

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	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
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	2705 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 55
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	4
Legal Lot Number	55
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	65300

Owner

2705 Ridgecrest Ln is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	2705 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
May 22, 2023	Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC
Jul 21, 2020	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS
Jul 15, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Oct 26, 2018	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2023 · Amount on File
Deed Sale	May 22, 2023 · Amount on File
Prior Sale	Jul 21, 2020 · Amount on File
Deed Document Number	202360
Deed Book / Page	227 / 557
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 22, 2023
Property Address	2705 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0005900060
Book / Page	KC 227 / 557
Map Reference	PL B 790
Instrument Date	May 18, 2023
Instrument	23052205900060
Transaction Type	Transfer
Record Updated	Jun 2, 2023
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10178 HIDDENKNOLL DR, INDEPENDENCE, KY 41051-9655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 RIDGECREST LN, COVINGTON, KY 41017-9406

Mortgage

Document Number	0005900061
Date	May 22, 2023
Book Page	KCM 462/829
Instrument	23052205900061

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company
Address	GEORGETOWN, TX 78633

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 21, 2020
Property Address	2705 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0000000159
Book / Page	000032 / 000875
Instrument Date	Jul 15, 2020
Instrument	159
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
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	2705 RIDGE LN COVINGTON KY 41017, COVINGTON, KY 41017

Mortgage

Document Number	160
Date	Jul 21, 2020
Book Page	000M71/000984
Instrument	160

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2705 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0000000160
Instrument Date	Jul 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2705 RIDGECREST LN COVINGTON KY 410179406, COVINGTON, KY 41017-9406

Mortgage

Document Number	0000000160
Date	Jul 21, 2020
Book Page	000M71/000984
Instrument	160

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2705 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0000000142
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2705 RIDGECREST LN COVINGTON KY 410179406, COVINGTON, KY 41017-9406

Mortgage

Document Number	0000000142
Date	Nov 1, 2018
Book Page	0I4187/000317
Instrument	142

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2705 Ridgecrest Ln was $2,477.

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		$250,000 (-) Land $20,000 Building $230,000	$250,000 (-) Land $20,000 Building $230,000
2025	$2,477.00	$250,000 Land $10,000 Building $240,000	$250,000 Land $10,000 Building $240,000
2023	$2,029.00	$190,400 Land $10,000 Building $180,400	$190,400 Land $10,000 Building $180,400

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

Flood

FEMA maps place 2705 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 2705 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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