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

Kenton County property record for 38 E Orchard Rd, Fort Mitchell, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,156 sqft · built 1930
Lot Size	0.115 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$137,500 (Jun 2007)
Tax Bill	$738 (2025)
Deeds & Mortgages	Feb 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028-30-11-011.02`

Property Details

APN / Parcel Number

Primary APN	`028-30-11-011.02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,156 sqft Finished Area
Gross Area	1,220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	38 E ORCHARD RD
City	FT MITCHELL
State	KY
Zip	41011-2658
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST FT MITCHELL BLK E PT UNNUMBERED LOT 50'X 100' ADJ E LINE OF LOT 17
Legal Subdivision	EAST FT MITCHELL
Legal Phase	E
Legal Block	E
Legal Lot Number	50,17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2017
Census Tract	65200

Owner

Source: Kenton County records, as of May 21, 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	38 E ORCHARD RD, FT MITCHELL, KY 41011-2658
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2007 · Amount on Record
Deed Sale	Jun 11, 2007 · Amount on Record
Prior Sale	Aug 2, 2000 · Amount on Record
Deed Document Number	200706 11 059 00152
Deed Book / Page	3410 / 125
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	38 E ORCHARD RD, FT MITCHELL, KY 41011-2658
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 E ORCHARD RD, FT MITCHELL, KY 41011-2658

Mortgage

Document Number	0000002681
Date	Feb 10, 2026
Book Page	732/946
Instrument	26059000002681

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Mitchell City
Unified School District	Beechwood Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$738.00 (-8.09%)	$197,400 (-) Land $45,000 Building $152,400	$197,400 (-) Land $45,000 Building $152,400
2023	$803.00	$197,400 Land $45,000 Building $152,400	$197,400 Land $45,000 Building $152,400

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 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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.

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 223 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
AT&T Fixed Wireless	100 / 20