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

Kenton County property record for 39 Ross Ave, Fort Mitchell, KY 41017

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,768 sqft · built 1970
Lot Size	0.537 acres (23,426 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,144 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028-40-05-157.00`

Property Details

APN / Parcel Number

Primary APN	`028-40-05-157.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,768 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	23,426 sqft (0.537 acres)
Lot Dimensions	442 ft deep x 53 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0284005157.00
Street Address	39 ROSS AVE
City	FT MITCHELL
State	KY
Zip	41017-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARPENTER & SANDFORD PT TRACT 3 53'X 442' WS-ROSS 54.2' N OF NW-COR 4
Legal Subdivision	CARPENTER & SANDFORD
Legal Tract	3
Legal Lot Number	3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	64700

Owner

Source: Kenton County records, as of November 27, 2025

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	39 ROSS AVE, FT MITCHELL, KY 41017-2928
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Aug 18, 2017	Deed of Trust, Mortgage · VA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2000
Deed Sale	Mar 23, 2000
Deed Document Number	0000250297
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 ROSS AVE, FT MITCHELL, KY 41017-2928
Document Number	0000000226
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	39 ROSS AVE FORT MITCHELL KY 410172928, FORT MITCHELL, KY 41017-2928

Mortgage

Document Number	0000000226
Date	Oct 13, 2020
Book Page	00M111/000387
Instrument	226

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	324 Months
Due	Oct 12, 2047

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	39 ROSS AVE, FT MITCHELL, KY 41017-2928
Document Number	0000000250
Instrument Date	Aug 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	SPRINGDALE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39 ROSS AVE FORT MITCHELL KY 410172928, FORT MITCHELL, KY 41017-2928

Mortgage

Document Number	0000000250
Date	Aug 28, 2017
Book Page	0C6234/000259
Instrument	250

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2047

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$1,144.00 (-20.83%) Homeowner's exemption	$355,200 (-) Land $60,000 Building $295,200	$355,200 (-) Land $60,000 Building $295,200
2023	$1,445.00	$355,200 Land $60,000 Building $295,200	$355,200 Land $60,000 Building $295,200

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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions.

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