34 Memory Ln, Fort Thomas, KY 41075 Property Records

Campbell County property record for 34 Memory Ln, Fort Thomas, KY 41075

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,320 sqft · built 1975
Owner	2 Individual Names on Record
Last Sale	$248,500 (Oct 2002)
Tax Bill	$1,471 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-12-462.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-12-462.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,320 sqft Living Area

Exterior

Year Built	Built 1975
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999912462.00
Street Address	34 MEMORY LN
City	FORT THOMAS
State	KY
Zip	41075-1062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 PT 2 SEC 6 WINSTON ACRES
Legal Subdivision	WINSTON ACRES
Legal Phase	6
Legal Lot Number	1
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	2
Census Block	2000
Census Tract	51300

Owner

Source: Campbell County records, as of March 6, 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 Record
Mailing Address	34 MEMORY LN, FORT THOMAS, KY 41075-1062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
May 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2002 · Amount on Record
Deed Sale	Oct 28, 2002 · Amount on Record
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	34 MEMORY LN, FORT THOMAS, KY 41075-1062
Transaction Type	Mortgage
Record Updated	Jul 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34 MEMORY LN, FORT THOMAS, KY 41075-1062

Mortgage

Document Number	0005155075
Date	Jun 16, 2022
Book Page	M2348/419
Instrument	5155075

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	357 Months
Due	Mar 25, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	34 MEMORY LN, FORT THOMAS, KY 41075-1062
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005073344
Date	May 7, 2018
Book Page	M2144/243
Instrument	5073344

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

Source: Campbell County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Fort Thomas City
Unified School District	Fort Thomas Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,471.00 (-7.25%) Homeowner's exemption	$448,000 (-) Land $100,000 Building $348,000	$448,000 (-) Land $100,000 Building $348,000
2023	$1,586.00 (-3.88%) Homeowner's exemption	$448,000 (-) Land $100,000 Building $348,000	$448,000 (-) Land $100,000 Building $348,000
2022	$1,650.00 Homeowner's exemption	$448,000 Land $100,000 Building $348,000	$448,000 Land $100,000 Building $348,000

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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

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, 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 234 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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