Campbell County property record for 40 Summit Ave, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,247 sqft · built 1951 |
| Lot Size | 0.187 acres (8,125 sqft) |
| Owner | Individual Name on File |
| Last Sale | $182,000 (Jul 2017) |
| Tax Bill | $839 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-17-262.00 |
| Primary APN | 999-99-17-262.00 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,247 sqft Living Area |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 8,125 sqft (0.187 acres) |
| Lot Dimensions | 125 ft deep x 65 ft wide |
| Terrain | Combination |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 40 SUMMIT AVE |
|---|---|
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2044 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 17 PT 18 BLK B NEW EDGEWOOD SUBD 65 X 125 |
| Legal Subdivision | NEW EDGEWOOD |
| Legal Phase | B |
| Legal Block | B |
| Legal Lot Number | 17 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 52302 |
40 Summit Ave is owned by an individual who bought it in July 2017.
Source: Campbell County records, as of May 13, 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 Record | Individual Name on File |
|---|---|
| Mailing Address | 40 SUMMIT AVE, FORT THOMAS, KY 41075-2044 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Apr 27, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage GUARDIAN SAVINGS BANK |
| Jul 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2017 · Amount on File |
| Deed Sale | Jul 31, 2017 · Amount on File |
| Prior Sale | Feb 22, 2000 · Amount on File |
| Deed Document Number | 20175060323 |
| Deed Book / Page | 787 / 239 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Apr 30, 2026 |
| Property Address | 40 SUMMIT AVE, FORT THOMAS, KY 41075-2044 |
| Document Number | 0006040220 |
| Book / Page | 2494 / 313 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 20266040220 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PROMINENCE TITLE, PROMINENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 40 SUMMIT AVE, FORT THOMAS, KY 41075-2044 |
| Document Number | 0006040220, |
|---|---|
| Date | Apr 30, 2026 |
| Book Page | 2494/313 |
| Instrument | 20266040220 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 40 SUMMIT AVE, FORT THOMAS, KY 41075-2044 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005130947 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | M2282/737 |
| Instrument | 5130947 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 31, 2017 |
| Property Address | 40 SUMMIT AVE, FORT THOMAS, KY 41075-2044 |
| Document Number | 0005080323 |
| Book / Page | 000787 / 000239 |
| Instrument Date | Jul 26, 2017 |
| Instrument | 5080323 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2017 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $182.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 SUMMIT AVE FORT THOMAS KY 410752044, FORT THOMAS, KY 41075-2044 |
| Document Number | 5060324 |
|---|---|
| Date | Jul 31, 2017 |
| Book Page | 002117/000529 |
| Instrument | 5060324 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 30, 2047 |
The 2025 property tax bill for 40 Summit Ave was $839.
Source: Campbell County assessment roll, as of March 9, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Campbell County |
| Municipality | Fort Thomas City |
| Unified School District | Fort Thomas Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $839.00 | $227,500 Land $40,000 Building $187,500 | $227,500 Land $40,000 Building $187,500 |
| 2023 | $898.00 (-2.5%) | $227,500 (-) Land $40,000 Building $187,500 | $227,500 (-) Land $40,000 Building $187,500 |
| 2022 | $921.00 | $227,500 Land $40,000 Building $187,500 | $227,500 Land $40,000 Building $187,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 40 Summit Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021
| 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 risk around 40 Summit 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 Risk | Low lower than 99.1% of the US · lower than 99.2% 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 384 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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