Campbell County property record for 45 Summit Ave, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 1,549 sqft · built 1951 |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Apr 2020) |
| Tax Bill | $1,143 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Jun 2022 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-15-483.00 |
| Primary APN | 999-99-15-483.00 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,549 sqft Living Area |
| Year Built | Built 1951 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Terrain | Combination |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999915483.00 |
|---|---|
| Street Address | 45 SUMMIT AVE |
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-2048 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 44 EDGEWOOD |
| Legal Subdivision | EDGEWOOD SUBDIVISION |
| Legal Lot Number | 44 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 52302 |
Source: Campbell County records, as of March 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 21, 2022 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Jun 10, 2022 | Intrafamily Transfer, Transfer |
| Apr 2, 2020 | Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Jul 20, 2018 | Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY |
| Jul 10, 2017 | Warranty Deed, Transfer CARTUS HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2020 · Amount on Record |
| Deed Sale | Apr 2, 2020 · Amount on Record |
| Prior Sale | Apr 2, 2020 · Amount on Record |
| Deed Document Number | 0005107610 |
| Deed Book / Page | D811 / 451 |
| Last Transfer Date | Jun 10, 2022 |
| Transfer Doc | 0005154884 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Transaction Type | Mortgage |
| Record Updated | Oct 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005159689 |
|---|---|
| Date | Sep 21, 2022 |
| Book Page | M2359/50 |
| Instrument | 5159689 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 359 Months |
| Due | Aug 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jun 10, 2022 |
| Property Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Document Number | 0005154884 |
| Book / Page | D839 / 417 |
| Map Reference | SL C-485B |
| Instrument Date | Jun 9, 2022 |
| Instrument | 5154884 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 51 BITTERSWEET WAY, 51, BUTLER, KY 41006-8582 |
| Name | Verified Name |
|---|---|
| Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Apr 2, 2020 |
| Property Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Document Number | 0005107610 |
| Book / Page | D811 / 451 |
| Map Reference | SL C-485B |
| Instrument Date | Mar 31, 2020 |
| Instrument | 5107610 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 281 RIVERSIDE PKWY, 281, FORT THOMAS, KY 41075-1144 |
| Name | Verified Name |
|---|---|
| Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Document Number | 0005107611 |
|---|---|
| Date | Apr 2, 2020 |
| Instrument | 5107611 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Document Number | 0005077777 |
| Instrument Date | Jul 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 433 MADISON AVE COVINGTON KY 410111519, COVINGTON, KY 41011-1519 |
| Document Number | 0005077777 |
|---|---|
| Date | Jul 26, 2018 |
| Book Page | 002152/000492 |
| Instrument | 5077777 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 25, 2048 |
| Rate | 5.25% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Jul 10, 2017 |
| Property Address | 45 SUMMIT AVE, FORT THOMAS, KY 41075-2048 |
| Document Number | 0005059277 |
| Book / Page | 000786 / 000605 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 5059277 |
| Transaction Type | Transfer |
| Record Updated | Aug 22, 2017 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 SUMMIT AVE FORT THOMAS KY 410752048, FORT THOMAS, KY 41075-2048 |
| Document Number | 5059278 |
|---|---|
| Date | Jul 10, 2017 |
| Book Page | 002115/000250 |
| Instrument | 5059278 |
| Name | CARTUS HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 9, 2047 |
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 | $1,143.00 (-6.62%) | $310,000 (-) Land $40,000 Building $270,000 | $310,000 (-) Land $40,000 Building $270,000 |
| 2023 | $1,224.00 (+10.97%) | $310,000 (+13.8%) Land $40,000 Building $270,000 | $310,000 (+13.8%) Land $40,000 Building $270,000 |
| 2022 | $1,103.00 | $272,400 Land $40,000 Building $232,400 | $272,400 Land $40,000 Building $232,400 |
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 August 24, 2021
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 384 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 |
| AT&T Fixed Wireless | 100 / 20 |
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