2708 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2708 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 960 sqft · built 1992
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$259,900 (Jul 2023)
Tax Bill	$2,575 (2025)
Deeds & Mortgages	Jul 2023 Construction Loan Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.45`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.45`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	960 sqft Finished Area

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	6,098 sqft (0.14 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	2708 RIDGECREST LN
City	COVINGTON
State	KY
Zip	41017-9407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERLING'S ADDN TO RIDGEPORT SEC 4 LOT 43
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	4
Legal Lot Number	43
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65300

Owner

2708 Ridgecrest Ln is owned and occupied by two individuals who bought it in July 2023.

Source: Kenton County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407
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
Jul 6, 2023	Deed of Trust, Mortgage · Construction Mortgage LEXINGTON-FAYETTE URBAN COUNTY GOV
Jul 6, 2023	Warranty Deed, Transfer · FHA Mortgage THRIVE MORTGAGE LLC
Sep 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BK
May 24, 2018	Grant Deed, Transfer
Sep 28, 2016	Loan Modification, Mortgage · Conventional Mortgage MIDFIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2023 · Amount on File
Deed Sale	Jul 6, 2023 · Amount on File
Prior Sale	May 24, 2018 · Amount on File
Deed Document Number	202342
Deed Book / Page	234 / 296
Prior Transfer Date	Jan 11, 2005
Prior Transfer Doc	0005900145
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407

Mortgage

Document Number	0005900044
Date	Jul 6, 2023
Book Page	KCM 474/145
Instrument	23070605900044

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2033

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 6, 2023
Property Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407
Document Number	0005900042
Book / Page	KC 234 / 296
Map Reference	PL B790
Instrument Date	Jun 26, 2023
Instrument	23070605900042
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10823 OMAHA TRCE, UNION, KY 41091-9080

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407

Mortgage

Document Number	0005900043
Date	Jul 6, 2023
Book Page	KCM 474/129
Instrument	23070605900043

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407
Document Number	0000000191
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Sep 28, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10603 LAURIN CT UNION KY 410914900, UNION, KY 41091-4900
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000191
Date	Sep 12, 2018
Book Page	0I4163/000344
Instrument	191

Lender

Name	HERITAGE BK
Type	Bank
Address	ERLANGER, KY 41018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 11, 2028

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	May 24, 2018
Property Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407
Document Number	0000000032
Book / Page	0I4110 / 000072
Instrument Date	Feb 20, 2018
Instrument	32
Transaction Type	Transfer
Record Updated	Jun 12, 2018

Transaction

Amount	Amount on Record
Tax	$112.10
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10603 LAURIN CT UNION KY 410914900, UNION, KY 41091-4900

September 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	2708 RIDGECREST LN, COVINGTON, KY 41017-9407
Document Number	0000000156
Book / Page	0I3885 / 000106
Instrument Date	Sep 28, 2016
Transaction Type	Mortgage
Record Updated	May 5, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2708 RIDGECREST LN COVINGTON KY 410179407, COVINGTON, KY 41017-9407

Mortgage

Document Number	0000000156
Date	Jan 13, 2017
Book Page	0I3885/000106
Instrument	156

Lender

Name	MIDFIRST BK
Type	Federal Savings Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 2708 Ridgecrest Ln was $2,575.

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		$259,900 (-) Land $20,000 Building $239,900	$259,900 (-) Land $20,000 Building $239,900
2025	$2,575.00	$259,900 Land $10,000 Building $249,900	$259,900 Land $10,000 Building $249,900
2023	$2,023.00 (-2.36%)	$189,800 (-) Land $10,000 Building $179,800	$189,800 (-) Land $10,000 Building $179,800
2022	$2,072.00	$189,800 Land $10,000 Building $179,800	$189,800 Land $10,000 Building $179,800

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

Flood

FEMA maps place 2708 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 2708 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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