Campbell County property record for 46 Sterling Ave, Fort Thomas, KY 41075
| Property Type | Single Family Home |
|---|---|
| Details | 1,666 sqft · built 1915 |
| Lot Size | 1.41 acres (61,790 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Apr 2011) |
| Tax Bill | $1,415 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 999-99-15-667.00 |
| Primary APN | 999-99-15-667.00 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 1,666 sqft Living Area |
| Year Built | Built 1915 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Brick |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 61,790 sqft (1.41 acres) |
| Lot Dimensions | 185 ft deep x 334 ft wide |
| Garage Type | Basement |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Old Parcel Number | 9999915667.00 |
|---|---|
| Street Address | 46 STERLING AVE |
| City | FORT THOMAS |
| State | KY |
| Zip | 41075-1148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT 159 INVERNESS 33 4 X 185 |
| Legal Subdivision | INVERNESS |
| Legal Lot Number | 159 |
| Jurisdiction | CAMPBELL KY |
| Township / Civil Division | NEWPORT-FORT THOMAS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 52302 |
46 Sterling Ave is owned and occupied by two individuals who bought it in April 2011.
Source: Campbell County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 46 STERLING AVE, FORT THOMAS, KY 41075-1148 |
| 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.
| Date | Document |
|---|---|
| Apr 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 2, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN SAVINGS BANK FSB |
| Feb 8, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage AMERICAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2011 · Amount on File |
| Deed Sale | Apr 8, 2011 · Amount on File |
| Prior Sale | Oct 4, 2005 · Amount on File |
| Deed Document Number | 04 08 11 019 00012 |
| Deed Book / Page | 0736 / 084 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 46 STERLING AVE, FORT THOMAS, KY 41075-1148 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|
| Document Number | 0005130994 |
|---|---|
| Date | Apr 27, 2021 |
| Book Page | M2283/70 |
| Instrument | 5130994 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 217 Months |
| Due | May 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Property Address | 46 STERLING AVE, FORT THOMAS, KY 41075-1148 |
| Transaction Type | Mortgage |
| Record Updated | Aug 9, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005063477 |
|---|---|
| Date | Oct 2, 2017 |
| Book Page | M2124/056 |
| Instrument | 5063477 |
| Name | AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45243 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2047 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CAMPBELL KY |
| Recording Date | Feb 8, 2017 |
| Property Address | 46 STERLING AVE, FORT THOMAS, KY 41075-1148 |
| Book / Page | 002099 / 000717 |
| Instrument Date | Jan 30, 2017 |
| Instrument | 5052006 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 18, 2018 |
| Title Company | AMERICAN HOME TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 46 STERLING AVE FORT THOMAS KY 410751148, FORT THOMAS, KY 41075-1148 |
| Document Number | 0005052006 |
|---|---|
| Date | Feb 8, 2017 |
| Book Page | 002099/000717 |
| Instrument | 5052006 |
| Name | AMERICAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45243 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 7, 2047 |
The 2025 property tax bill for 46 Sterling Ave was $1,415.
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 | $1,415.00 | $383,500 Land $40,000 Building $343,500 | $383,500 Land $40,000 Building $343,500 |
| 2023 | $1,514.00 (-2.51%) | $383,500 (-) Land $40,000 Building $343,500 | $383,500 (-) Land $40,000 Building $343,500 |
| 2022 | $1,553.00 | $383,500 Land $40,000 Building $343,500 | $383,500 Land $40,000 Building $343,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 Sterling 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 risk around 46 Sterling 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 95% of the US · lower than 95% 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 231 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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