Kenton County property record for 4 Lucerne Ave, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,616 sqft · built 1934 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $189,000 (Nov 2013) |
| Tax Bill | $1,134 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Nov 2019 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-40-14-030.00 |
| Primary APN | 028-40-14-030.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,616 sqft Finished Area |
| Gross Area | 2,147 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1934 |
|---|---|
| Effective Year Built | Effective 1934 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 4 LUCERNE AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUCERNE LOT 34 |
| Legal Subdivision | LUCERNE |
| Legal Block | 1 |
| Legal Lot Number | 34 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 64700 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 5, 2021 | Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC |
| Nov 18, 2019 | Trustee's Deed, Construction Loan · Construction Mortgage VETERANS UNITED HM LNS ALBERTO |
| Aug 25, 2017 | Deed of Trust, Mortgage · VA Mortgage CIS HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2013 · Amount on Record |
| Deed Sale | Nov 6, 2013 · Amount on Record |
| Prior Sale | Jan 8, 2002 · Amount on Record |
| Deed Document Number | 201311 06 059 00045 |
| Deed Book / Page | 5303 / 100 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005900041 |
|---|---|
| Date | Mar 5, 2021 |
| Book Page | 178/921 |
| Instrument | 21030505900041 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 18, 2019 |
| Property Address | 4 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Book / Page | 0C6804 / 000135 |
| Instrument Date | Sep 19, 2019 |
| Instrument | 312 |
| Transaction Type | Construction Loan |
| Record Updated | Dec 16, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4 LUCERNE AVE FORT MITCHELL KY 410172960, FORT MITCHELL, KY 41017-2960 |
| Document Number | 0000000312 |
|---|---|
| Date | Nov 18, 2019 |
| Book Page | 0C6804/000135 |
| Instrument | 312 |
| Name | VETERANS UNITED HM LNS ALBERTO |
|---|---|
| Address | 1400 VETERANS UNITED DR, COLUMBIA, MO 65203-3001 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 17, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 4 LUCERNE AVE, FT MITCHELL, KY 41017-2960 |
| Document Number | 0000000318 |
| Book / Page | C6255 / 000194 |
| Instrument Date | Aug 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4 LUCERNE AVE FORT MITCHELL KY 410172960, FORT MITCHELL, KY 41017-2960 |
| Document Number | 0000000318 |
|---|---|
| Date | Sep 25, 2017 |
| Book Page | ORC625/000194 |
| Instrument | 318 |
| Name | CIS HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | HAMILTON, AL 35570 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 24, 2047 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Mitchell City |
| Unified School District | Beechwood Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $303,300 (-) Land $60,000 Building $243,300 | $303,300 (-) Land $60,000 Building $243,300 | |
| 2025 | $1,134.00 (-8.1%) | $303,300 (-) Land $60,000 Building $243,300 | $303,300 (-) Land $60,000 Building $243,300 |
| 2023 | $1,234.00 | $303,300 Land $60,000 Building $243,300 | $303,300 Land $60,000 Building $243,300 |
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
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 205 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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