Campbell County property record for 41 River Rd, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,116 sqft · built 1935 |
| Lot Size | 0.104 acres (4,536 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Oct 2022) |
| Tax Bill | $571 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Oct 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-14-477.00 |
| Primary APN | 999-99-14-477.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,116 sqft Living Area |
| Year Built | Built 1935 |
|---|---|
| Exterior Material | Wood |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 4,536 sqft |
| Lot Dimensions | 54 ft deep x 84 ft wide |
| View / Lot | Fair |
| Garage Type | Basement |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999914477.00 |
|---|---|
| Street Address | 41 RIVER RD |
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOT 42 C J HELM SUBD 84 X 54 IRREG |
| Legal Subdivision | HELM ESTATE |
| Legal Lot Number | 42 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 52800 |
41 River Rd is owned and occupied by an individual who bought it in October 2022.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 41 RIVER RD, FORT THOMAS, KY 41075-2317 |
| 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 |
|---|---|
| Jan 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 18, 2022 | Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 10, 2021 | Intrafamily Transfer, Transfer · Construction Mortgage HOME POINT FINANCIAL CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 18, 2022 · Amount on File |
| Deed Sale | Oct 18, 2022 · Amount on File |
| Prior Sale | Jun 10, 2021 |
| Deed Document Number | 5160922 |
| Deed Book / Page | D845 / 11 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 41 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Title Company | ACUITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 41 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Investor | Possibly a Property Investor |
| Document Number | 0005320538 |
|---|---|
| Date | Jan 26, 2024 |
| Book Page | M2403/186 |
| Instrument | 5320538 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Feb 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Oct 18, 2022 |
| Property Address | 41 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Document Number | 0005160922 |
| Book / Page | D845 / 11 |
| Instrument Date | Oct 7, 2022 |
| Instrument | 5160922 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $155.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 762 SMITH HITEMAN RD, ALEXANDRIA, KY 41001-7663 |
| Name | Verified Name |
|---|---|
| Address | 41 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Investor | Possibly a Property Investor |
| Document Number | 0005160923 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | 5160923 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 10, 2021 |
| Property Address | 41 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Document Number | 0005133721 |
| Book / Page | D825 / 780 |
| Instrument Date | May 18, 2021 |
| Instrument | 5133721 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 RIVER RD, FORT THOMAS, KY 41075-2317 |
| Document Number | 0005133722 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 5133722 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
The 2025 property tax bill for 41 River Rd was $571.
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 | $571.00 | $155,000 Land $20,000 Building $135,000 | $155,000 Land $20,000 Building $135,000 |
| 2023 | $612.00 (+25.93%) | $155,000 (+29.17%) Land $20,000 Building $135,000 | $155,000 (+29.17%) Land $20,000 Building $135,000 |
| 2022 | $486.00 | $120,000 Land $20,000 Building $100,000 | $120,000 Land $20,000 Building $100,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective August 24, 2021 · 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 (1997) |
| Most Recent Claim | Mar 1997 · Severe Storm, Flooding, And Tornadoes |
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.
The area around 41 River Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 447 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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