45 Rossmore Ave, Fort Thomas, KY 41075 Property Records

Campbell County property record for 45 Rossmore Ave, Fort Thomas, KY 41075

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,206 sqft · built 1921
Owner	Individual Name on File
Last Sale	$238,000 (Oct 2016)
Tax Bill	$1,281 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`999-99-15-644.00`

Property Details

APN / Parcel Number

Primary APN	`999-99-15-644.00`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	2,206 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Exterior Material	Brick
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Dimensions	195 ft deep x 75 ft wide
Terrain	Rolling
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Old Parcel Number	9999915644.00
Street Address	45 ROSSMORE AVE
City	FORT THOMAS
State	KY
Zip	41075-2266
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19 PT LOT 18 ROSSMORE SUBD
Legal Subdivision	ROSSMORE
Legal Lot Number	18-19
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	1
Census Block	1009
Census Tract	52302

Owner

45 Rossmore Ave is owned and occupied by an individual who acquired it in March 2020.

Source: Campbell County records, as of March 6, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	45 ROSSMORE AVE, FORT THOMAS, KY 41075-2266
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2016 · Amount on File
Deed Sale	Oct 31, 2016 · Amount on File
Prior Sale	Nov 1, 2016 · Amount on File
Deed Document Number	0005047116
Deed Book / Page	000780 / 000509
Last Transfer Date	Mar 23, 2020
Transfer Doc	0005107077
Record Updated	Jun 8, 2026

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAMPBELL KY
Recording Date	Mar 23, 2020
Property Address	45 ROSSMORE AVE, FORT THOMAS, KY 41075-2266
Document Number	0005107077
Book / Page	D811 / 174
Instrument	5107077
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005107078
Date	Mar 23, 2020
Book Page	M2214/456
Instrument	5107078

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	45 ROSSMORE AVE, FORT THOMAS, KY 41075-2266
Document Number	0005107078
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 ROSSMORE AVE FORT THOMAS KY 410752266, FORT THOMAS, KY 41075-2266

Mortgage

Document Number	0005107078
Date	Mar 23, 2020
Book Page	002214/000456
Instrument	5107078

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 45 Rossmore Ave was $1,281.

Source: Campbell County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Fort Thomas City
Unified School District	Fort Thomas Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,281.00	$347,400 Land $58,500 Building $288,900	$347,400 Land $58,500 Building $288,900
2023	$1,372.00 (-2.42%)	$347,400 (-) Land $58,500 Building $288,900	$347,400 (-) Land $58,500 Building $288,900
2022	$1,406.00	$347,400 Land $58,500 Building $288,900	$347,400 Land $58,500 Building $288,900

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

Flood

FEMA maps place 45 Rossmore Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1978.

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	2 (1978)
Most Recent Claim	Dec 1978 · tidal / storm surge

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

Wildfire risk around 45 Rossmore Ave 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.

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 91 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

Cell Coverage

5G (outdoors only) and 4G LTE

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