Kenton County property record for 405 Highland Ave, Fort Mitchell, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,288 sqft · built 1958 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $485,000 (Jul 2022) |
| Tax Bill | $1,813 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 028-40-05-185.00 |
| Primary APN | 028-40-05-185.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,288 sqft Finished Area |
| Gross Area | 2,432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 176 ft deep x 84 ft wide |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 405 HIGHLAND AVE |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-2921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHRODERS LOT 4 EXC REAR 25' & E 1/2 5 EXC REAR 25' NWS HIGHLAND AVE |
| Legal Subdivision | SCHRODERS |
| Legal Lot Number | 4,5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 64700 |
405 Highland Ave is owned and occupied by two individuals who bought it in July 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 HIGHLAND AVE, FT MITCHELL, KY 41017-2921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 12, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage GENERAL ELECTRIC CU |
| Jul 21, 2020 | Deed of Trust, Mortgage · Conventional with PMI HEARTLAND BK |
| Nov 7, 2018 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2022 · Amount on File |
| Deed Sale | Jul 12, 2022 · Amount on File |
| Deed Document Number | 202294 |
| Deed Book / Page | 176 / 475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 12, 2022 |
| Property Address | 405 HIGHLAND AVE, FT MITCHELL, KY 41017-2921 |
| Document Number | 0005900094 |
| Book / Page | 176 / 475 |
| Map Reference | PL 617 |
| Instrument Date | Jun 30, 2022 |
| Instrument | 22071205900094 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 HIGHLAND AVE, 405, FORT MITCHELL, KY 41017-2921 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 405 HIGHLAND AVE, FORT MITCHELL, KY 41017-2921 |
| Document Number | 0005900122 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | 22071405900122 |
| Name | GENERAL ELECTRIC CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Min Rate At Change | 3.5% |
| Max Rate At Change | 5.25% |
| Index | Other |
| Max Rate | 8.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 405 HIGHLAND AVE, FT MITCHELL, KY 41017-2921 |
| Document Number | 0000000031 |
| Instrument Date | Jul 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 405 HIGHLAND AVE FORT MITCHELL KY 410172921, FORT MITCHELL, KY 41017-2921 |
| Document Number | 0000000031 |
|---|---|
| Date | Aug 5, 2020 |
| Book Page | 000M78/000730 |
| Instrument | 31 |
| Name | HEARTLAND BK |
|---|---|
| Type | Bank |
| Address | WHITEHALL, OH 43213 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 4, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 405 HIGHLAND AVE, FT MITCHELL, KY 41017-2921 |
| Document Number | 0000000131 |
| Instrument Date | Nov 7, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 405 HIGHLAND AVE FORT MITCHELL KY 410172921, FORT MITCHELL, KY 41017-2921 |
| Document Number | 0000000131 |
|---|---|
| Date | Nov 30, 2018 |
| Book Page | 0C6554/000345 |
| Instrument | 131 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 29, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 405 Highland Ave was $1,813.
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 | $485,000 (-) Land $60,000 Building $425,000 | $485,000 (-) Land $60,000 Building $425,000 | |
| 2025 | $1,813.00 | $485,000 Land $60,000 Building $425,000 | $485,000 Land $60,000 Building $425,000 |
| 2023 | $1,973.00 | $485,000 Land $60,000 Building $425,000 | $485,000 Land $60,000 Building $425,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 Highland Ave in Zone X, an area of minimal flood risk.
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 risk around 405 Highland 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 93% of the US · lower than 92% 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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