Campbell County property record for 415 River Rd, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 1,008 sqft · built 1965 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Apr 2014) |
| Tax Bill | $461 (2025) |
| Deeds & Mortgages | Jun 2023 Transfer May 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-15-401.00 |
| Primary APN | 999-99-15-401.00 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,008 sqft Living Area |
| Year Built | Built 1965 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,909 sqft (0.48 acres) |
| Terrain | Combination |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999915401.00 |
|---|---|
| Street Address | 415 RIVER RD |
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT 28 HAWTHORNES SUBD 0.4799 ACRE |
| Legal Subdivision | RICHARD HAWTHORNE |
| Legal Lot Number | 26 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 52800 |
415 River Rd is owned and occupied by an individual who acquired it in June 2023.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| 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 28, 2023 | Intrafamily Transfer, Transfer |
| May 23, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Sep 20, 2017 | Deed of Trust, Mortgage · Line of Credit VICTORY COMMUNITY BANK |
| Sep 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage VICTORY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 14, 2014 · Amount on File |
| Deed Sale | Apr 14, 2014 · Amount on File |
| Prior Sale | May 23, 2023 |
| Deed Document Number | 0000000043 |
| Deed Book / Page | 000759 / 000121 |
| Last Transfer Date | Jun 28, 2023 |
| Transfer Doc | 0005180354 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 28, 2023 |
| Property Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| Document Number | 0005180354 |
| Book / Page | D852 / 234 |
| Instrument Date | Jun 16, 2023 |
| Instrument | 5180354 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| Name | Verified Name |
|---|---|
| Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | May 23, 2023 |
| Property Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| Document Number | 0005175062 |
| Book / Page | D851 / 168 |
| Map Reference | MB 759 PG 121 |
| Instrument Date | Mar 16, 2023 |
| Instrument | 5175062 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4814 WINONA TER, CINCINNATI, OH 45227-2440 |
| Name | Verified Name |
|---|---|
| Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| Document Number | 0005175097 |
|---|---|
| Date | May 23, 2023 |
| Instrument | 5175097 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005062932 |
|---|---|
| Date | Sep 20, 2017 |
| Book Page | M2122/776 |
| Instrument | 5062932 |
| Name | VICTORY COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FORT THOMAS, KY 41075 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 12, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 415 RIVER RD, FORT THOMAS, KY 41075-2321 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | HOMESTEAD TITLE AGENCY LP |
| Name | Verified Name |
|---|
| Document Number | 0005063048 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | M2123/218 |
| Instrument | 5063048 |
| Name | VICTORY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 415 River Rd was $461.
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 | $461.00 | $125,000 Land $125,000 | $125,000 Land $125,000 |
| 2023 | $493.00 | $125,000 Land $125,000 | $125,000 Land $125,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 415 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.
Wildfire risk around 415 River Rd 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 | Direct burnable vegetation |
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 76 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures