Campbell County property record for 31 Willow Dr, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,909 sqft · built 1989 |
| Owner | Owner Name on File |
| Last Sale | $440,000 (Jun 2007) |
| Tax Bill | $1,852 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-13-266.00 |
| Primary APN | 999-99-13-266.00 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,909 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Terrain | Combination |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999913266.00 |
|---|---|
| Street Address | 31 WILLOW DR |
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2035 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 HAY COURT SUBD |
| Legal Subdivision | HAY COURT |
| Legal Lot Number | 2 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 52302 |
The current owner of 31 Willow Dr bought it in June 2007.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 31 WILLOW DR, FORT THOMAS, KY 41075-2035 |
| Occupancy | Owner Occupied |
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 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMONWEALTH BANK & TRUST CO |
| Apr 10, 2017 | Deed of Trust, Mortgage · Line of Credit FORCHT BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2007 · Amount on File |
| Deed Sale | Jun 1, 2007 · Amount on File |
| Prior Sale | Mar 19, 1998 · Amount on File |
| Deed Document Number | 07 06 01 019 00025 |
| Deed Book / Page | 0706 / 730 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 31 WILLOW DR, FORT THOMAS, KY 41075-2035 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005129136 |
|---|---|
| Date | Apr 1, 2021 |
| Book Page | M2277/568 |
| Instrument | 5129136 |
| Name | COMMONWEALTH BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40222 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 31 WILLOW DR, FORT THOMAS, KY 41075-2035 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005054930 |
|---|---|
| Date | Apr 10, 2017 |
| Book Page | M2105/426 |
| Instrument | 5054930 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40258 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 16, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 31 Willow Dr was $1,852.
Source: Campbell County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Fort Thomas City |
| Unified School District | Fort Thomas Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,852.00 | $502,000 Land $55,000 Building $447,000 | $502,000 Land $55,000 Building $447,000 |
| 2023 | $1,982.00 (-2.51%) | $502,000 (-) Land $55,000 Building $447,000 | $502,000 (-) Land $55,000 Building $447,000 |
| 2022 | $2,033.00 | $502,000 Land $55,000 Building $447,000 | $502,000 Land $55,000 Building $447,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 31 Willow Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 31 Willow Dr is low, with less than 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 95% of the US · lower than 95% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 393 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 · Fiber in parts of the area | 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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