Kenton County property record for 3861 Circollo Dr, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · built 2023 |
| Lot Size | 0.186 acres (8,102 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $519,900 (Jul 2024) |
| Tax Bill | $5,152 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage May 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-00-02-135.00 |
| Primary APN | 044-00-02-135.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 8,102 sqft (0.186 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3861 CIRCOLLO DR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-7503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 135 PHASE C SEC 21 TUSCANY SUBD 0.1860 AC |
| Legal Subdivision | TUSCANY SUBDIVISION |
| Legal Phase | 21 |
| Legal Lot Number | 135 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 5 |
| Census Block | 5078 |
| Census Tract | 65300 |
Source: Kenton County records, as of October 20, 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 | 3861 CIRCOLLO DR, FT MITCHELL, KY 41017-7503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO |
| May 4, 2023 | Deed, Subdivision Related Transfer · Conventional Mortgage STOCK YARDS BANK & TRUST CO |
| Nov 28, 2022 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 25, 2024 · Amount on Record |
| Deed Sale | Jul 25, 2024 · Amount on Record |
| Deed Document Number | 202417 |
| Deed Book / Page | 296 / 788 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3861 CIRCOLLO DR, COVINGTON, KY 41017-7503 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0005900163 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 407/731 |
| Instrument | 22091605900163 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Sep 16, 2025 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 4, 2023 |
| Property Address | 3861 CIRCOLLO DR, COVINGTON, KY 41017-7503 |
| Document Number | 0005900125 |
| Book / Page | KC 224 / 980 |
| Map Reference | MB 156 PG 459 |
| Instrument Date | Apr 18, 2023 |
| Instrument | 23050405900125 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 12, 2024 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3861 CIRCOLLO DR, COVINGTON, KY 41017-7503 |
| Document Number | 0005900126 |
|---|---|
| Date | May 4, 2023 |
| Book Page | KCM 459/98 |
| Instrument | 23050405900126 |
| Name | STOCK YARDS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40223 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Type Change Date | May 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 7.5% |
| Index | 1-Year T-Bill |
| Max Rate | 13.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 28, 2022 |
| Property Address | 3861 CIRCOLLO DR, COVINGTON, KY 41017-7503 |
| Document Number | 0005900161 |
| Book / Page | 202 / 487 |
| Map Reference | SL 2313-2313A |
| Instrument Date | Nov 22, 2022 |
| Instrument | 22112805900161 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
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 | $519,900 (-) Land $75,000 Building $444,900 | $519,900 (-) Land $75,000 Building $444,900 | |
| 2025 | $5,152.00 | $519,900 Land $81,300 Building $438,600 | $519,900 Land $81,300 Building $438,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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