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38 Ross Ave, Fort Mitchell (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 38 Ross Ave, Fort Mitchell, KY 41017

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,104 sqft · built 1930
Lot Size0.26 acres (11,326 sqft)
Owner2 Individual Names on File
Last Sale$237,500 (Aug 2018)
Tax Bill$1,027 (2025)
Deeds & MortgagesOct 2020 Mortgage
Aug 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN028-40-05-156.01

Property Details

APN / Parcel Number

Primary APN028-40-05-156.01

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,104 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1930
Effective Year BuiltEffective 1930
Exterior MaterialAluminum/Vinyl
Foundation TypeBlock
Roof MaterialComposition Shingle
Lot Area11,326 sqft (0.26 acres)

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address38 ROSS AVE
CityFT MITCHELL
StateKY
Zip41017-2939
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJOS C DRESSMAN LOT 2 RESUB OF CARPENTER & SANDFORD LOT 5
Legal SubdivisionDRESSMANN JOS C
Legal Lot Number2
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1011
Census Tract64700

Owner

38 Ross Ave is owned and occupied by two individuals who bought it in August 2018.

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address38 ROSS AVE, FT MITCHELL, KY 41017-2939
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 20, 2020Deed of Trust, Mortgage · Conventional Mortgage
HUNTINGTON NAT'L BK
Aug 14, 2018Warranty Deed, Transfer · Conventional Mortgage
HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 14, 2018 · Amount on File
Deed SaleAug 14, 2018 · Amount on File
Prior SaleJan 22, 2013 · Amount on File
Deed Document Number201808 14 059 00370
Deed Book / Page6477 / 100
Record UpdatedOct 29, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address38 ROSS AVE, FT MITCHELL, KY 41017-2939
Document Number0000000188
Instrument DateOct 20, 2020
Transaction TypeMortgage
Record UpdatedNov 12, 2020
Title CompanyAGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address38 ROSS AVE FORT MITCHELL KY 410172939, FORT MITCHELL, KY 41017-2939

Mortgage

Document Number0000000188
DateOct 27, 2020
Book Page00M116/000355
Instrument188
Lender
NameHUNTINGTON NAT'L BK
TypeBank
AddressCOLUMBUS, OH 43235
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term336 Months
DueOct 26, 2048

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateAug 14, 2018
Property Address38 ROSS AVE, FT MITCHELL, KY 41017-2939
Document Number0000000370
Book / Page0C6477 / 000100
Instrument DateAug 8, 2018
Instrument370
Transaction TypeTransfer
Record UpdatedSep 6, 2018
Title CompanyAGILITY CLOSING AND TITLE SERVICES I

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$237.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address38 ROSS AVE FORT MITCHELL KY 410172939, FORT MITCHELL, KY 41017-2939

Mortgage

Document Number371
DateAug 14, 2018
Book Page0C6477/000103
Instrument371
Lender
NameHUNTINGTON NAT'L BK
TypeBank
AddressCOLUMBUS, OH 43219
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 38 Ross Ave was $1,027.

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityFort Mitchell City
Unified School DistrictBeechwood Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$274,600 (-) Land $60,000 Building $214,600$274,600 (-) Land $60,000 Building $214,600
2025$1,027.00$274,600 Land $60,000 Building $214,600$274,600 Land $60,000 Building $214,600
2023$1,117.00$274,600 Land $60,000 Building $214,600$274,600 Land $60,000 Building $214,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38 Ross Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 38 Ross Ave 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 RiskLow
lower than 93% of the US · lower than 92% of Kentucky
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 205 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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