Campbell County property record for 41 Earnscliff Ct, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 906 sqft · built 1928 |
| Lot Size | 0.07 acres (3,075 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $291,500 (Mar 2024) |
| Tax Bill | $1,075 (2025) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Jan 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-15-584.00 |
| Primary APN | 999-99-15-584.00 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 906 sqft Living Area |
| Year Built | Built 1928 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 3,075 sqft (0.07 acres) |
| Lot Dimensions | 123 ft deep x 25 ft wide |
| Terrain | Combination |
| Garage Type | Basement |
| Sewer | Municipal |
|---|---|
| Water Source | Commercial |
| Old Parcel Number | 9999915584.00 |
|---|---|
| Street Address | 41 EARNSCLIFF CT |
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-1105 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT 9 E L DONNELLY 25 X 123 |
| Legal Subdivision | DONNELLY SUB |
| Legal Lot Number | 9 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 51300 |
Source: Campbell County records, as of March 6, 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 Record |
|---|---|
| Mailing Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 25, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jan 4, 2024 | Deed of Trust, Mortgage · Line of Credit SHAREFAX CU |
| May 1, 2023 | Intrafamily Transfer, Transfer |
| Jul 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 24, 2020 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 25, 2024 · Amount on Record |
| Deed Sale | Mar 25, 2024 · Amount on Record |
| Prior Sale | May 1, 2023 |
| Deed Document Number | 5329638 |
| Deed Book / Page | D859 / 734 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Mar 25, 2024 |
| Property Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Document Number | 0005329638 |
| Book / Page | D859 / 734 |
| Instrument Date | Mar 18, 2024 |
| Instrument | 5329638 |
| Transaction Type | Transfer |
| Record Updated | Apr 10, 2024 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $291.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 44 WEST ST, CINCINNATI, OH 45242-7651 |
| Name | Verified Name |
|---|---|
| Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Document Number | 0005329641 |
|---|---|
| Date | Mar 25, 2024 |
| Instrument | 5329641 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Type Change Date | Apr 1, 2027 |
| Change Frequency | Annually |
| Min Rate At Change | 5.5% |
| Max Rate At Change | 9.5% |
| Index | 1-Year T-Bill |
| Max Rate | 13.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005317018 |
|---|---|
| Date | Jan 4, 2024 |
| Book Page | M2401/323 |
| Instrument | 5317018 |
| Name | SHAREFAX CU |
|---|---|
| Type | Credit Union |
| Address | BATAVIA, OH 45103 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 3, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | May 1, 2023 |
| Property Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Document Number | 0005172267 |
| Book / Page | D850 / 534 |
| Instrument Date | Feb 11, 2023 |
| Instrument | 5172267 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0005135632 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | M2295/730 |
| Instrument | 5135632 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jan 24, 2020 |
| Property Address | 41 EARNSCLIFF CT, FORT THOMAS, KY 41075-1105 |
| Document Number | 0005104045 |
| Book / Page | D809 / 394 |
| Instrument Date | Dec 9, 2019 |
| Instrument | 5104045 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Title Company | ASSOCIATES TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1045 EATON DR, 1045, FT WRIGHT, KY 41017-9655 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 650530, DALLAS, TX 75265-0530 |
| Document Number | 0005104046 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 5104046 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
Source: Campbell County assessment roll, as of April 1, 2025
| 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 | $1,075.00 (+16.22%) | $291,500 (+24.36%) Land $60,000 Building $231,500 | $291,500 (+24.36%) Land $60,000 Building $231,500 |
| 2023 | $925.00 (-2.53%) | $234,400 (-) Land $60,000 Building $174,400 | $234,400 (-) Land $60,000 Building $174,400 |
| 2022 | $949.00 | $234,400 Land $60,000 Building $174,400 | $234,400 Land $60,000 Building $174,400 |
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 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.
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 351 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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