Kenton County property record for 34 Crystal Lake Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,066 sqft · built 1978 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Jun 2024) |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Mar 2020 Sale & Mortgage Nov 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-592.00 |
| Primary APN | 045-30-00-592.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,066 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 34 CRYSTAL LAKE DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9715 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 2 LOT 45 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 2 |
| Legal Lot Number | 45 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66801 |
34 Crystal Lake Dr is owned and occupied by two individuals who bought it in June 2024.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 34 CRYSTAL LAKE DR, COVINGTON, KY 41017-9715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Mar 25, 2020 | Warranty Deed, Transfer · Conventional with PMI HUNTINGTON NAT'L BK |
| Nov 29, 2018 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2024 · Amount on File |
| Deed Sale | Jun 27, 2024 · Amount on File |
| Prior Sale | Mar 25, 2020 · Amount on File |
| Deed Document Number | 202468 |
| Deed Book / Page | 291 / 764 |
| Prior Transfer Date | Mar 24, 2020 |
| Prior Transfer Doc | 0005900360 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 25, 2020 |
| Property Address | 34 CRYSTAL LAKE DR, COVINGTON, KY 41017-9715 |
| Document Number | 0000000360 |
| Book / Page | 000014 / 000154 |
| Instrument Date | Mar 24, 2020 |
| Instrument | 360 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 34 CRYSTAL LAKE DR COVINGTON KY 410179715, COVINGTON, KY 41017-9715 |
| Document Number | 361 |
|---|---|
| Date | Mar 25, 2020 |
| Book Page | 000M25/000001 |
| Instrument | 361 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 24, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 34 CRYSTAL LAKE DR, COVINGTON, KY 41017-9715 |
| Document Number | 0000000165 |
| Instrument Date | Nov 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 31, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 34 CRYSTAL LAKE DR COVINGTON KY 410179715, COVINGTON, KY 41017-9715 |
| Document Number | 0000000165 |
|---|---|
| Date | Jan 10, 2019 |
| Book Page | 0I4214/000182 |
| Instrument | 165 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 9, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 34 Crystal Lake Dr was $2,328.
Source: Kenton County assessment roll, as of December 2, 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 |
|---|---|---|---|
| 2026 | $235,000 (-) Land $20,000 Building $215,000 | $235,000 (-) Land $20,000 Building $215,000 | |
| 2025 | $2,328.00 | $235,000 Land $10,000 Building $225,000 | $235,000 Land $10,000 Building $225,000 |
| 2023 | $2,041.00 | $191,500 Land $10,000 Building $181,500 | $191,500 Land $10,000 Building $181,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 34 Crystal Lake Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 34 Crystal Lake 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 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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