Kenton County property record for 2846 Shellbark Cir, Villa Hills, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2022 |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,598 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Jun 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 001-00-01-105.00 |
| Primary APN | 001-00-01-105.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stone |
| Foundation Type | Concrete |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2846 SHELLBARK CIR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2021 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SANCTUARY VILLAGE SEC 6 LOT 105 |
| Legal Subdivision | SANCTUARY VILLAGE |
| Legal Phase | 6 |
| Legal Lot Number | 105 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 64001 |
2846 Shellbark Cir is owned and occupied by two individuals who acquired it in June 2023.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2846 SHELLBARK CIR, FT MITCHELL, KY 41017-2021 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 27, 2022 | Deed of Trust, Mortgage · Unknown FISCHER LENDING COMPANY LLC |
| Jun 12, 2023 | Intrafamily Transfer, Transfer |
| Oct 25, 2022 | Deed, Subdivision Related Transfer HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 6, 2023 |
| Transfer Doc | 0005900174 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2846 SHELLBARK CIR, VILLA HILLS, KY 41017-2021 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0005900159 |
|---|---|
| Date | Apr 27, 2022 |
| Book Page | 162/86 |
| Instrument | 22042705900159 |
| Name | FISCHER LENDING COMPANY LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ERLANGER, KY 41018 |
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 31, 2023 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 12, 2023 |
| Property Address | 2846 SHELLBARK CIR, VILLA HILLS, KY 41017-2021 |
| Document Number | 0005900174 |
| Book / Page | KC 230 / 628 |
| Map Reference | SL 2308,2308A&2308B |
| Instrument Date | Jun 6, 2023 |
| Instrument | 23061205900174 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2846 SHELLBARK CIR, VILLA HILLS, KY 41017-2021 |
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 2846 SHELLBARK CIR, VILLA HILLS, KY 41017-2021 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 25, 2022 |
| Property Address | 2846 SHELLBARK CIR, VILLA HILLS, KY 41017-2021 |
| Document Number | 0005900163 |
| Book / Page | KC 196 / 770 |
| Map Reference | SL 2308,2308A&2308B |
| Instrument Date | Oct 3, 2022 |
| Instrument | 22102505900163 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGENCY LTD |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ELSMERE, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 2846 SHELLBARK CIR, VILLA HILLS, KY 41017-2021 |
The 2025 property tax bill for 2846 Shellbark Cir was $7,598 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Villa Hills City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $815,900 (-) Land $100,000 Building $715,900 | $815,900 (-) Land $100,000 Building $715,900 | |
| 2025 | $7,598.00 Homeowner's exemption | $815,900 Land $100,000 Building $715,900 | $815,900 Land $100,000 Building $715,900 |
| 2023 | $8,697.00 | $815,900 Land $88,100 Building $727,800 | $815,900 Land $88,100 Building $727,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2846 Shellbark Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2011 · Severe Storms, Tornadoes, And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 2846 Shellbark Cir 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 177 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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