31 E Orchard Rd, Fort Mitchell (Covington), KY 41011 Property Records

Kenton County property record for 31 E Orchard Rd, Fort Mitchell, KY 41011

Property Summary

Property TypeSingle Family Home
Details2 bd · 1.5 ba · 1,120 sqft · built 1949
Lot Size0.24 acres (10,454 sqft)
Owner2 Individual Names on Record
Last Sale$70,000 (May 2016)
Tax Bill$729 (2025)
Deeds & MortgagesNov 2017 Sale
Sep 2017 Line of Credit
Flood ZoneZone X (minimal risk)
APN028-30-11-002.00

Property Details

APN / Parcel Number

Primary APN028-30-11-002.00

Interior

Bedrooms2 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,120 sqft Finished Area
Gross Area1,280 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1949
Effective Year BuiltEffective 1949
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area10,454 sqft (0.24 acres)
Garage TypeBasement
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address31 E ORCHARD RD
CityFT MITCHELL
StateKY
Zip41011-2657
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEAST FT MITCHELL BLK C LOT 4
Legal SubdivisionEAST FT MITCHELL
Legal PhaseC
Legal BlockC
Legal Lot Number4
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group2
Census Block2017
Census Tract65200

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 Record2 Individual Names on Record
Mailing Address120 ST JOHNS RD, COVINGTON, KY 41011-2601
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 28, 2017Grant Deed, Transfer
ATTORNEY ONLY
Sep 18, 2017Deed of Trust, Mortgage · Line of Credit
FIFTH THIRD BK/NTHRN KY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 4, 2016 · Amount on Record
Deed SaleMay 4, 2016 · Amount on Record
Prior SaleFeb 11, 2016 · Amount on Record
Deed Document Number201605 04 059 00102
Deed Book / Page5885 / 304
Last Transfer DateNov 3, 2017
Transfer Doc0005900147
Record UpdatedOct 29, 2026

November 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateNov 28, 2017
Property Address31 E ORCHARD RD, FT MITCHELL, KY 41011-2657
Document Number0000000147
Book / Page0C6302 / 000277
Instrument DateNov 3, 2017
Instrument147
Transaction TypeTransfer
Record UpdatedJan 3, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$70.00
Amount AccuracyConfirmed

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address120 SAINT JOHNS RD FORT MITCHELL KY 410112601, FORT MITCHELL, KY 41011-2601

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address31 E ORCHARD RD, FT MITCHELL, KY 41011-2657
Document Number0000000047
Book / Page0C6268 / 000309
Instrument DateSep 18, 2017
Transaction TypeMortgage
Record UpdatedDec 8, 2017
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address120 SAINT JOHNS RD COVINGTON KY 410112601, COVINGTON, KY 41011-2601

Mortgage

Document Number0000000047
DateOct 11, 2017
Book Page0C6268/000309
Instrument47
Lender
NameFIFTH THIRD BK/NTHRN KY
TypeBank
AddressCINCINNATI, OH 45263
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueOct 10, 2047
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityFort Mitchell City
Unified School DistrictBeechwood Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$195,000 (-) Land $45,000 Building $150,000$195,000 (-) Land $45,000 Building $150,000
2025$729.00 (-8.07%)$195,000 (-) Land $45,000 Building $150,000$195,000 (-) Land $45,000 Building $150,000
2023$793.00$195,000 Land $45,000 Building $150,000$195,000 Land $45,000 Building $150,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 223 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber
3,000 / 3,000
Spectrum
Cable
1,000 / 1,000
Verizon
Fixed Wireless
300 / 20
T-Mobile
Fixed Wireless
100 / 20
AT&T
Fixed Wireless
100 / 20

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