Campbell County property record for 46 Holmes Ave, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 1,714 sqft · built 1915 |
| Lot Size | 0.172 acres (7,500 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $752 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-15-629.00 |
| Primary APN | 999-99-15-629.00 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,714 sqft Living Area |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,500 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Terrain | Combination |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 46 HOLMES AVE |
|---|---|
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-1805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT G I GREEN HOLTZ 2 HOLMES SUB 50 X 150 |
| Legal Subdivision | THE HOLMES SUBDIVISION |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 52302 |
Source: Campbell County records, as of March 9, 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 | 46 HOLMES AVE, FORT THOMAS, KY 41075-1805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Aug 10, 2017 | Deed of Trust, Mortgage · ARM GUARDIAN SAVINGS BANK FSB |
| Nov 27, 2017 | Quit Claim Deed, Transfer PROMINENT TITLE AGENCY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 23, 2013 |
| Transfer Doc | 0001900192 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 46 HOLMES AVE, FORT THOMAS, KY 41075-1805 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2026 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005140232 |
|---|---|
| Date | Sep 17, 2021 |
| Book Page | M2307/450 |
| Instrument | 5140232 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 301 Months |
| Due | Oct 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 46 HOLMES AVE, FORT THOMAS, KY 41075-1805 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005061053 |
|---|---|
| Date | Aug 10, 2017 |
| Book Page | M2118/783 |
| Instrument | 5061053 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3% |
| Type Change Date | Aug 1, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 5% |
| Index | 1-Year LIBOR |
| Max Rate | 8% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Nov 27, 2017 |
| Property Address | 46 HOLMES AVE, FORT THOMAS, KY 41075-1805 |
| Document Number | 0005066044 |
| Book / Page | 000790 / 000352 |
| Instrument Date | Nov 17, 2017 |
| Instrument | 5066044 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $10.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 46 HOLMES AVE FORT THOMAS KY 410751805, FORT THOMAS, KY 41075-1805 |
Source: Campbell County assessment roll, as of March 9, 2026
| 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 | $752.00 (-7.84%) Homeowner's exemption | $253,000 (-) Land $30,000 Building $223,000 | $253,000 (-) Land $30,000 Building $223,000 |
| 2023 | $816.00 (-5.12%) Homeowner's exemption | $253,000 (-) Land $30,000 Building $223,000 | $253,000 (-) Land $30,000 Building $223,000 |
| 2022 | $860.00 Homeowner's exemption | $253,000 Land $30,000 Building $223,000 | $253,000 Land $30,000 Building $223,000 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 96% 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.
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 383 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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