438 River Rd, Bromley (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 438 River Rd, Bromley, KY 41017

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,470 sqft · built 1989
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$1,757 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`026-20-00-024.00`

Property Details

APN / Parcel Number

Primary APN	`026-20-00-024.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,470 sqft Finished Area

Exterior

Year Built	Built 1989
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	127 ft deep x 214 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Old Parcel Number	0262000024.00
Street Address	438 RIVER RD
City	BROMLEY
State	KY
Zip	41017-3832
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RICHMOND CHAS PT LOTS 6-7 0.5 ACS NS RIVER RD 214.63'X 127.03'
Legal Subdivision	RICHMOND CHAS
Legal Lot Number	6,7
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	5
Census Block	5047
Census Tract	66900

Owner

Source: Kenton County records · APN 026-20-00-024.00

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 Record	Individual Name on File
Mailing Address	438 RIVER RD, BROMLEY, KY 41017-3832
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 1979
Deed Sale	May 04, 1979
Deed Document Number	0000746224
Record Updated	Jun 08, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	438 RIVER RD, BROMLEY, KY 41017-3832
Document Number	0000000096
Book / Page	0C6111 / 000224
Instrument Date	Mar 01, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 RIVER RD BROMLEY KY 410173832, BROMLEY, KY 41017-3832

Mortgage

Document Number	0000000096
Date	Mar 08, 2017
Book Page	0C6111/000224
Instrument	96

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 07, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Kentucky
Municipality	Bromley City
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,757.00 (-8.73%) Homeowner's exemption	$175,000 (-) Land $15,000 Building $160,000	$175,000 (-) Land $15,000 Building $160,000
2023	$1,925.00 Homeowner's exemption	$175,000 Land $15,000 Building $160,000	$175,000 Land $15,000 Building $160,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 45 policies
Nearby Flood Policies	45 in force
Nearby Flood Claims	91 (1978–2025)
Claims Outside the SFHA	11 of 91
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 7 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Mar 2018 · 14 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 39 claims

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

Based on FCC filings for 38 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 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.