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438 Morris Rd, Fort Wright (Covington), KY 41011 Property Records

Kenton County property record for 438 Morris Rd, Fort Wright, KY 41011

Property Summary

Property TypeSingle Family Home
Details6 bd · 4 ba · 3,280 sqft · built 1988
Lot Size0.88 acres (38,333 sqft)
OwnerIndividual Name on File
Last Sale$665,000 (Sep 2023)
Tax Bill$5,995 (2025)
Deeds & MortgagesSep 2023 Sale & Mortgage
Aug 2023 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN027-30-00-226.00

Property Details

APN / Parcel Number

Primary APN027-30-00-226.00

Interior

Bedrooms6 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,280 sqft Finished Area
Gross Area4,485 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1988
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area38,333 sqft (0.88 acres)
Lot Dimensions145 ft deep x 40 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0273000226.00
Street Address438 MORRIS RD
CityFT WRIGHT
StateKY
Zip41011-1840
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNORTH WOODS SEC 4 LOT 3
Legal SubdivisionNORTH WOODS
Legal Phase4
Legal Lot Number3
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group1
Census Block1007
Census Tract64800

Owner

Source: Kenton County records · APN 027-30-00-226.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address438 MORRIS RD, FT WRIGHT, KY 41011-1840
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 15, 2023Warranty Deed, Transfer · Conventional Mortgage
STOCK YARDS BANK & TRUST CO
Aug 18, 2023Deed of Trust, Mortgage · Conventional Mortgage
UNION SAVINGS BANK
Dec 08, 2020Deed of Trust, Mortgage · Conventional Mortgage
UNION SVGS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 15, 2023 · Amount on Record
Deed SaleSep 15, 2023 · Amount on Record
Deed Document Number0000246537
Deed Book / Page246 / 537
Record UpdatedJun 08, 2026

September 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateSep 15, 2023
Property Address438 MORRIS RD, COVINGTON, KY 41011-1840
Document Number0005900030
Book / PageKC 246 / 537
Map ReferencePL 1449
Instrument DateSep 13, 2023
Instrument23091505900030
Transaction TypeTransfer
Record UpdatedSep 28, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3430 TREESIDE CT, ERLANGER, KY 41018-2781

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address438 MORRIS RD, FT MITCHELL, KY 41011-1840

Mortgage

Document Number0005900031
DateSep 15, 2023
Instrument23091505900031
Lender
NameSTOCK YARDS BANK & TRUST CO
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2053

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address438 MORRIS RD, COVINGTON, KY 41011-1840
Transaction TypeMortgage
Record UpdatedSep 01, 2023
Title CompanyPROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address438 MORRIS RD, COVINGTON, KY 41011-1840

Mortgage

Document Number0005900060
DateAug 18, 2023
Book PageKCM 485/332
Instrument23081805900060
Lender
NameUNION SAVINGS BANK
TypeBank
AddressCINCINNATI, OH 45249
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2053
Interest
Rate TypeAdjustable Rate
Rate6.87%
Type Change DateSep 01, 2026
Change FrequencyAnnually
Min Rate At Change3.75%
Max Rate At Change8.87%
Index1-Year T-Bill
Max Rate12.8%

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address438 MORRIS RD, COVINGTON, KY 41011-1840
Document Number0000000052
Instrument DateDec 08, 2020
Transaction TypeMortgage
Record UpdatedJan 13, 2021
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address438 MORRIS RD COVINGTON KY 410111840, COVINGTON, KY 41011-1840

Mortgage

Document Number0000000052
DateDec 16, 2020
Book Page000141/000297
Instrument52
Lender
NameUNION SVGS
TypeFederal Savings Bank
AddressCINCINNATI, OH 45249
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 15, 2050

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityFort Wright City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,995.00 (+158.52%)$605,000 (+129.17%) Land $45,000 Building $560,000$605,000 (+129.17%) Land $45,000 Building $560,000
2023$2,319.00 (-4.96%) Homeowner's exemption$264,000 (-) Land $45,000 Building $219,000$264,000 (-) Land $45,000 Building $219,000
2022$2,440.00 Homeowner's exemption$264,000 Land $45,000 Building $219,000$264,000 Land $45,000 Building $219,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170648001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1993)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 1993 · alluvial fan flooding

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 304 locations within half a mile · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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