Kenton County property record for 38 Ft Mitchell Ave, Fort Mitchell, KY 41011 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3.5 Baths |
| Year Built | Built 1940 |
| Square Footage | 2,404 sqft Finished Area |
| Lot Size | 17,424 sqft (0.4 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $825,000 (2023) |
| Tax Bill | $3,085.00 (2025) |
Source: Kenton County records · APN 027-40-06-017.00
Assessment roll updated December 2, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 38 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2621 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 27, 2023 | Deed, Transfer · Conventional Mortgage OPTION FINANCIAL LLC |
| Aug 23, 2022 | Deed of Trust, Mortgage · Line of Credit FORCHT BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 27, 2023 · Amount on Record |
| Deed Sale | Feb 27, 2023 · Amount on Record |
| Prior Sale | Oct 03, 2003 · Amount on Record |
| Deed Doc Number | 2023177 |
| Deed Book / Page | 215 / 247 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 27, 2023 |
| Property Address | 38 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2621 |
| Document Number | 0005900177 |
| Book / Page | KC 215 / 247 |
| Instrument Date | Feb 20, 2023 |
| Instrument | 23022705900177 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $825.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1218 GRAYS PEAK, COVINGTON, KY 41011-1113 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 38 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2621 |
| Document Number | 0005900178 |
|---|---|
| Date | Feb 27, 2023 |
| Book Page | KCM 442/544 |
| Instrument | 23022705900178 |
| Name | OPTION FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 38 FORT MITCHELL AVE, FT MITCHELL, KY 41011-2621 |
| Transaction Type | Mortgage |
| Record Updated | Sep 06, 2022 |
| Name | Verified Name |
|---|---|
| Address | 38 FORT MITCHELL AVENUE, FORT MITCHELL, KY 41017 |
| Document Number | 0005900077 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | 400/664 |
| Instrument | 22082305900077 |
| Name | FORCHT BANK NA |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40555 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Mitchell City |
| Unified School District | Beechwood Independent School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,085.00 (+40.29%) | $825,000 (+40.62%) Land $120,000 Building $705,000 | $825,000 (+40.62%) Land $120,000 Building $705,000 |
| 2023 | $2,199.00 (+62.17%) Disabled Person's exemption | $586,700 (+63.43%) Land $120,000 Building $466,700 | $586,700 (+63.43%) Land $120,000 Building $466,700 |
| 2022 | $1,356.00 Disabled Person's exemption | $359,000 Land $70,000 Building $289,000 | $359,000 Land $70,000 Building $289,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified: October 2026
| Historic District | Within the Old Fort Mitchell Historic District listed 1989 · 104 contributing resources · NRIS 89001170 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
| Primary APN | 027-40-06-017.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,404 sqft Finished Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Brick Exterior |
| Roof Material | Slate Roof |
| Lot Area | 17,424 sqft (0.4 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 38 FORT MITCHELL AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41011-2621 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SCHILD PT LOT 12 & FT MITCHELL PT LOT 99 |
| Legal Subdivision | SCHILD WM F |
| Legal Phase | 9 |
| Legal Lot Number | 12-9 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | COVINGTON |
| Census Blockgroup | 2 |
| Census Block | 2022 |
| Census Tract | 64800 |
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