2723 Ridgecrest Ln, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2723 Ridgecrest Ln, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 988 sqft · built 1992
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$249,900 (Jun 2025)
Tax Bill	$1,673 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.60`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.60`

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	7,405 sqft (0.17 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	2723 RIDGECREST LN
City	COVINGTON
State	KY
Zip	41017-9422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERLING'S ADDN TO RIDGEPORT SEC 5 LOT 51
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	5
Legal Lot Number	51
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2723 RIDGECREST LN, COVINGTON, KY 41017-9422
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jul 17, 2020	Deed of Trust, Mortgage POLARIS HM FNDG
Aug 20, 2020	Warranty Deed, Transfer · Conventional with PMI POLARIS HM FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2025 · Amount on Record
Deed Sale	Jun 13, 2025 · Amount on Record
Prior Sale	Oct 21, 2021 · Amount on Record
Deed Document Number	2025141
Deed Book / Page	347 / 314
Record Updated	Oct 29, 2026

October 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Oct 21, 2021
Property Address	2723 RIDGECREST LN, COVINGTON, KY 41017-9422
Document Number	0005900231
Book / Page	125 / 739
Map Reference	PL B796
Instrument Date	Oct 15, 2021
Instrument	21102105900231
Transaction Type	Transfer
Record Updated	Nov 2, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 PINE HILL DR, 23, HIGHLAND HEIGHTS, KY 41076-2020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2723 RIDGECREST LN, COVINGTON, KY 41017-9422

Mortgage

Document Number	0005900232
Date	Oct 21, 2021
Instrument	21102105900232

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2723 RIDGECREST LN, COVINGTON, KY 41017-9422
Document Number	0000000178
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2723 RIDGECREST LN COVINGTON KY 410179422, COVINGTON, KY 41017-9422

Mortgage

Document Number	0000000178
Date	Aug 20, 2020
Book Page	000M85/000806
Instrument	178

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 20, 2020
Property Address	2723 RIDGECREST LN, COVINGTON, KY 41017-9422
Document Number	0000000177
Book / Page	000038 / 000330
Instrument Date	Jul 17, 2020
Instrument	177
Transaction Type	Transfer
Record Updated	Sep 22, 2020
Title Company	NORTHWEST TITLE FAM/COMPANIES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	723 RIDGECREST LN COVINGTON KY 41017, COVINGTON, KY 41017

Mortgage

Document Number	178
Date	Aug 20, 2020
Book Page	000M85/000806
Instrument	178

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2050

Tax Assessment & Valuation

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		$249,900 (+14.63%) Land $20,000 Building $229,900	$249,900 (+14.63%) Land $20,000 Building $229,900
2025	$1,673.00 (-27.98%) Homeowner's exemption	$218,000 (-) Land $10,000 Building $208,000	$218,000 (-) Land $10,000 Building $208,000
2023	$2,323.00 (-2.39%)	$218,000 (-) Land $10,000 Building $208,000	$218,000 (-) Land $10,000 Building $208,000
2022	$2,380.00	$218,000 Land $10,000 Building $208,000	$218,000 Land $10,000 Building $208,000

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

Flood

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

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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