2709 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2709 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 888 sqft · built 1992
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Sep 2021)
Tax Bill	$2,061 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.48`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.48`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	888 sqft Finished Area

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	5,663 sqft (0.13 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	2709 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 54
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	4
Legal Lot Number	54
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3005
Census Tract	65300

Owner

2709 Ridgecrest Ln is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2709 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
Dec 28, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 28, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2021 · Amount on File
Deed Sale	Sep 28, 2021 · Amount on File
Prior Sale	Oct 31, 2012 · Amount on File
Deed Document Number	20210928109
Deed Book / Page	120 / 843
Prior Transfer Date	Sep 23, 2021
Prior Transfer Doc	0005900109
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2709 RIDGECREST LN, COVINGTON, KY 41017-9406
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900139
Date	Dec 28, 2023
Book Page	KCM 517/70
Instrument	23122805900139

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2054

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 28, 2021
Property Address	2709 RIDGECREST LN, COVINGTON, KY 41017-9406
Document Number	0005900109
Book / Page	120 / 843
Map Reference	PL B790
Instrument Date	Sep 23, 2021
Instrument	21092805900109
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2340 BOIS D ARC LN, 2340, MIDLOTHIAN, TX 76065-6140

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	2709 RIDGECREST LN, COVINGTON, KY 41017-9406

Mortgage

Document Number	0005900110
Date	Sep 28, 2021
Instrument	21092805900110

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2709 Ridgecrest Ln was $2,061.

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		$208,000 (-) Land $20,000 Building $188,000	$208,000 (-) Land $20,000 Building $188,000
2025	$2,061.00	$208,000 Land $10,000 Building $198,000	$208,000 Land $10,000 Building $198,000
2023	$2,217.00	$208,000 Land $10,000 Building $198,000	$208,000 Land $10,000 Building $198,000

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

Flood

FEMA maps place 2709 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 2709 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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