Campbell County property record for 41 Tower Pl, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,574 sqft · built 1913 |
| Lot Size | 0.258 acres (11,250 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Feb 2011) |
| Tax Bill | $1,379 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Dec 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-13-141.00 |
| Primary APN | 999-99-13-141.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,574 sqft Living Area |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Combination |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 11,250 sqft (0.258 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 41 TOWER PL |
|---|---|
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2134 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT 4 TOWER PLACE 75 X 150 |
| Legal Subdivision | TOWER PLACE |
| Legal Lot Number | PT 4 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 52800 |
41 Tower Pl is owned and occupied by two individuals who bought it in February 2011.
Source: Campbell County records, as of July 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 41 TOWER PL, FORT THOMAS, KY 41075-2134 |
| 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 |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Dec 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTY HOME MORTGAGE CORP |
| Jul 5, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2011 · Amount on File |
| Deed Sale | Feb 3, 2011 · Amount on File |
| Deed Document Number | 20112 03 11 019 001 |
| Deed Book / Page | 734 / 841 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 29, 2026 |
| Property Address | 41 TOWER PL, FORT THOMAS, KY 41075-2134 |
| Document Number | 0006141071 |
| Book / Page | 2501 / 316 |
| Instrument Date | May 21, 2026 |
| Instrument | 20266141071 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | BLYTHE TITLE |
| Name | Verified Name |
|---|---|
| Address | 41 TOWER PL, FORT THOMAS, KY 41075-2134 |
| Document Number | 0006141071, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 2501/316 |
| Instrument | 20266141071 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 25, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 41 TOWER PL, FORT THOMAS, KY 41075-2134 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN HOMELAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0005123123 |
|---|---|
| Date | Dec 23, 2020 |
| Book Page | M2259/716 |
| Instrument | 5123123 |
| Name | GUARANTY HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MURFREESBORO, TN 37129 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 41 TOWER PL, FORT THOMAS, KY 41075-2134 |
| Document Number | 0005094987 |
| Instrument Date | Jul 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2019 |
| Title Company | FIRST AMERICAN |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 41 TOWER PL FORT THOMAS KY 410752134, FORT THOMAS, KY 41075-2134 |
| Document Number | 0005094987 |
|---|---|
| Date | Aug 1, 2019 |
| Book Page | 002186/000686 |
| Instrument | 5094987 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 31, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 41 Tower Pl was $1,379.
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 | $1,379.00 | $373,900 Land $50,000 Building $323,900 | $373,900 Land $50,000 Building $323,900 |
| 2023 | $1,476.00 (-2.51%) | $373,900 (-) Land $50,000 Building $323,900 | $373,900 (-) Land $50,000 Building $323,900 |
| 2022 | $1,514.00 | $373,900 Land $50,000 Building $323,900 | $373,900 Land $50,000 Building $323,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 41 Tower Pl 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.
Wildfire risk around 41 Tower Pl 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 94% of the US · lower than 95% 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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