3 Harvard Dr, Fort Mitchell (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3 Harvard Dr, Fort Mitchell, KY 41017

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 2,616 sqft · built 1986
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$512,500 (Jan 2019)
Tax Bill	$3,366 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jan 2023 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`028-10-07-017.00`

Property Details

APN / Parcel Number

Primary APN	`028-10-07-017.00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,616 sqft Finished Area
Gross Area	3,662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
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	3 HARVARD DR
City	FT MITCHELL
State	KY
Zip	41017-2836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNYMEDE ANNEX SEC 4B LOT 82 0.35 ACS NWS HARVARD DR
Legal Subdivision	SUNNYMEDE ANNEX
Legal Phase	4B
Legal Lot Number	82
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3017
Census Tract	64700

Owner

Source: Kenton County records · APN 028-10-07-017.00

Assessment roll updated December 2, 2025 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	3 HARVARD DR, FT MITCHELL, KY 41017-2836
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit ELEMENTS FINANCIAL FCU
Mar 02, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
May 11, 2020	Deed of Trust, Mortgage HUNTINGTON NAT'L BK
Jan 02, 2019	Warranty Deed, Transfer HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 02, 2019 · Amount on Record
Deed Sale	Jan 02, 2019 · Amount on Record
Prior Sale	Jun 08, 2016 · Amount on Record
Deed Document Number	201901 02 059 00195
Deed Book / Page	6574 / 177
Prior Transfer Date	May 05, 2011
Prior Transfer Doc	0005900052
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3 HARVARD DR, FT MITCHELL, KY 41017-2836
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HARVARD DR, FORT MITCHELL, KY 41017-2836

Mortgage

Document Number	0005900139
Date	Aug 30, 2023
Book Page	KCM 488/215
Instrument	23083005900139

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3 HARVARD DR, FT MITCHELL, KY 41017-2836
Transaction Type	Mortgage
Record Updated	Feb 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900124
Date	Jan 11, 2023
Book Page	434/91
Instrument	23011105900124

Lender

Name	ELEMENTS FINANCIAL FCU
Type	Credit Union
Address	INDIANAPOLIS, IN 46202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	297 Months
Due	Oct 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3 HARVARD DR, FT MITCHELL, KY 41017-2836
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900072
Date	Mar 02, 2021
Book Page	175/874
Instrument	21030205900072

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3 HARVARD DR, FT MITCHELL, KY 41017-2836
Document Number	0000000176
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	ATA NATIONAL TITLE GROUP LLC, ATA NAT'L TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 HARVARD DR FORT MITCHELL KY 410172836, FORT MITCHELL, KY 41017-2836

Mortgage

Document Number	0000000176
Date	May 27, 2020
Book Page	000M48/000702
Instrument	176

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 26, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 02, 2019
Property Address	3 HARVARD DR, FT MITCHELL, KY 41017-2836
Document Number	0000000195
Book / Page	0C6574 / 000177
Instrument Date	Dec 28, 2018
Instrument	195
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$512.50
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	3 HARVARD DR FORT MITCHELL KY 410172836, FORT MITCHELL, KY 41017-2836

Mortgage

Document Number	197
Date	Jan 02, 2019
Book Page	0C6574/000186
Instrument	197

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.72%

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Mitchell City
Unified School District	Beechwood Independent School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,366.00 (+55.98%)	$900,000 (+69.72%) Land $100,000 Building $800,000	$900,000 (+69.72%) Land $100,000 Building $800,000
2023	$2,158.00	$530,300 Land $100,000 Building $430,300	$530,300 Land $100,000 Building $430,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 273 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

3 Harvard Dr, Fort Mitchell (Ft Mitchell), KY 41017 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

August 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Harvard Dr

Nearby Streets

Search Property Records by Address or Parcel Number