Kenton County property record for 33 Crystal Lake Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 900 sqft · built 1977 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,827 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Dec 2025 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-238.00 |
| Primary APN | 045-30-00-238.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 900 sqft Finished Area |
| Year Built | Built 1977 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Block |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Old Parcel Number | 0453000238.00 |
|---|---|
| Street Address | 33 CRYSTAL LAKE DR |
| City | COVINGTON |
| State | KY |
| Zip | 41017-9736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 2 PT A LOT 31 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 2 |
| Legal Lot Number | 31 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 66801 |
Source: Kenton County records, as of January 13, 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 | 33 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 16, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Dec 23, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Mar 21, 2017 | Grant Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 23, 2025 |
| Deed Sale | Dec 23, 2025 |
| Prior Sale | Mar 21, 2017 · Amount on Record |
| Deed Document Number | 25122305900140 |
| Deed Book / Page | I3913 / 259 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 33 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0005900039 |
|---|---|
| Date | Apr 16, 2021 |
| Book Page | 202/596 |
| Instrument | 21041605900039 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 23, 2025 |
| Property Address | 33 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Number | 0005900140 |
| Book / Page | KC 382 / 194 |
| Instrument Date | Oct 20, 2025 |
| Instrument | 25122305900140 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 33 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 21, 2017 |
| Property Address | 33 CRYSTAL LAKE DR, COVINGTON, KY 41017-9736 |
| Document Number | 0000000233 |
| Book / Page | 0I3913 / 000259 |
| Instrument Date | Mar 20, 2017 |
| Instrument | 233 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $137.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 33 CRYSTAL LAKE DR COVINGTON KY 410179736, COVINGTON, KY 41017-9736 |
| Document Number | 236 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 0I3913/000262 |
| Instrument | 236 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 20, 2047 |
Source: Kenton County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,827.00 (-7.02%) | $184,400 (-) Land $10,000 Building $174,400 | $184,400 (-) Land $10,000 Building $174,400 |
| 2023 | $1,965.00 | $184,400 Land $10,000 Building $174,400 | $184,400 Land $10,000 Building $174,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 92% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 385 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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