Kenton County property record for 432 Morris Rd, Fort Wright, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,661 sqft · built 1960 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Jun 2025) |
| Tax Bill | $1,851 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-30-00-187.00 |
| Primary APN | 027-30-00-187.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,661 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Lot Area | 7,405 sqft (0.17 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 432 MORRIS RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-1840 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MEYERIDGE SEC 2 LOT 5 |
| Legal Subdivision | MEYERIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 64800 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4531 CHURCH ST, TAYLOR MILL, KY 41015-1746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2025 · Amount on Record |
| Deed Sale | Jun 27, 2025 · Amount on Record |
| Deed Document Number | 2025125 |
| Deed Book / Page | 349 / 639 |
| Prior Transfer Date | May 7, 2025 |
| Prior Transfer Doc | 0000000137 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 28, 2026 |
| Property Address | 432 MORRIS RD, COVINGTON, KY 41011-1840 |
| Document Number | 0000011002 |
| Book / Page | 437 / 901 |
| Instrument Date | May 15, 2026 |
| Instrument | 202611002 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | PROMINENCE TITLE, PROMINENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 432 MORRIS RD, COVINGTON, KY 41011-1840 |
| Document Number | 0000011002, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 437/901 |
| Instrument | 202611002 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Wright City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $340,000 (+44.13%) Land $45,000 Building $295,000 | $340,000 (+44.13%) Land $45,000 Building $295,000 | |
| 2025 | $1,851.00 (+40.55%) Homeowner's exemption | $235,900 (+38.76%) Land $45,000 Building $190,900 | $235,900 (+38.76%) Land $45,000 Building $190,900 |
| 2023 | $1,317.00 Homeowner's exemption | $170,000 Land $30,000 Building $140,000 | $170,000 Land $30,000 Building $140,000 |
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 June 19, 2015 · 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 (1993) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1993 · alluvial fan flooding |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 304 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 |
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