412 Highland Ave, Fort Mitchell (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 412 Highland Ave, Fort Mitchell, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 992 sqft · built 1960
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (Oct 2000)
Tax Bill	$679 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`028-40-05-195.00`

Property Details

APN / Parcel Number

Primary APN	`028-40-05-195.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	992 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	150 ft deep x 60 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	412 HIGHLAND AVE
City	FT MITCHELL
State	KY
Zip	41017-2900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHRODERS LOT 17 60'X 150' SES HIGHLAND AVE
Legal Subdivision	SCHRODERS
Legal Lot Number	17
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	64700

Owner

412 Highland Ave is owned and occupied by an individual who bought it in October 2000.

Source: Kenton County records, as of October 20, 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 File
Mailing Address	412 HIGHLAND AVE, FT MITCHELL, KY 41017-2900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage HOME LN INV BK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2000 · Amount on File
Deed Sale	Oct 31, 2000 · Amount on File
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 31, 2026
Property Address	412 HIGHLAND AVE, FT MITCHELL, KY 41017-2900
Document Number	0000016750
Book / Page	469 / 513
Instrument Date	Jul 13, 2026
Instrument	202616750
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 HIGHLAND AVE, FT MITCHELL, KY 41017-2900

Mortgage

Document Number	0000016750,
Date	Jul 31, 2026
Book Page	469/513
Instrument	202616750

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2056

Interest

Rate	6.52%
Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	412 HIGHLAND AVE, FT MITCHELL, KY 41017-2900
Document Number	0000000155
Book / Page	0C6300 / 000086
Instrument Date	Oct 31, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 HIGHLAND AVE FORT MITCHELL KY 410172900, FORT MITCHELL, KY 41017-2900

Mortgage

Document Number	0000000155
Date	Nov 22, 2017
Book Page	0C6300/000086
Instrument	155

Lender

Name	HOME LN INV BK FSB
Type	Bank
Address	WARWICK, RI 02886-1765

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 21, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 412 Highland Ave was $679 with a disabled person's exemption.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$230,700 (-) Land $60,000 Building $170,700	$230,700 (-) Land $60,000 Building $170,700
2025	$679.00 Disabled Person's exemption	$230,700 Land $60,000 Building $170,700	$230,700 Land $60,000 Building $170,700
2023	$750.00 Disabled Person's exemption	$230,700 Land $60,000 Building $170,700	$230,700 Land $60,000 Building $170,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 412 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

Wildfire risk around 412 Highland Ave is low, with 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 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 99 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

May also be available: AT&T, Verizon.

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