407 Morris Rd, Fort Wright (Covington), KY 41011 Property Records

Kenton County property record for 407 Morris Rd, Fort Wright, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,083 sqft · built 1993
Lot Size	0.998 acres (43,473 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,490 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`027-30-00-245.04`

Property Details

APN / Parcel Number

Primary APN	`027-30-00-245.04`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Units	4 Units
Stories	2 Stories
Building Area	3,083 sqft Finished Area
Gross Area	3,127 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Stone
Foundation Type	Concrete
Lot Area	43,473 sqft (0.998 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	407 MORRIS RD
City	COVINGTON
State	KY
Zip	41011-1800
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPEARS LOT 3 BEING 0.998 ACS
Legal Subdivision	SPEARS
Legal Lot Number	3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1007
Census Tract	64800

Owner

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	407 MORRIS RD, COVINGTON, KY 41011-1800
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 9, 2011
Transfer Doc	0005900066
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	407 MORRIS RD, COVINGTON, KY 41011-1800
Transaction Type	Mortgage
Record Updated	Apr 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900018
Date	Apr 5, 2022
Book Page	356/961
Instrument	22040505900018

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 4, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Wright City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$401,300 (-) Land $70,000 Building $331,300	$401,300 (-) Land $70,000 Building $331,300
2025	$3,490.00 (+13.27%) Homeowner's exemption	$401,300 (+19.61%) Land $70,000 Building $331,300	$401,300 (+19.61%) Land $70,000 Building $331,300
2023	$3,081.00 Homeowner's exemption	$335,500 Land $70,000 Building $265,500	$335,500 Land $70,000 Building $265,500

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 · 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 Claims	1 (1993)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1993 · alluvial fan flooding

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.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 304 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