523 Normandy Ct, Fort Wright (Covington), KY 41011 Property Records

Kenton County property record for 523 Normandy Ct, Fort Wright, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,319 sqft · built 1968
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on Record
Tax Bill	$2,656 (2025)
Deeds & Mortgages	May 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-10-00-261.00`

Property Details

APN / Parcel Number

Primary APN	`042-10-00-261.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,319 sqft Finished Area
Gross Area	3,009 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	170 ft deep x 47 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0421000261.00
Street Address	523 NORMANDY CT
City	FT WRIGHT
State	KY
Zip	41011-3631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO HGTS SEC 5 LOT 110 & SEC 20 LOT 110A
Legal Subdivision	MONTICELLO HEIGHTS
Legal Phase	5&20
Legal Lot Number	110A,11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3012
Census Tract	65200

Owner

Source: Kenton County records, as of November 27, 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 Record
Mailing Address	523 NORMANDY CT, FT WRIGHT, KY 41011-3631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jun 7, 2021	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK
Jun 14, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 1991
Deed Sale	May 22, 1991
Deed Document Number	0001001200
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	523 NORMANDY CT, COVINGTON, KY 41011-3631
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 NORMANDY CT, COVINGTON, KY 41011-3631

Mortgage

Document Number	0005900028
Date	May 3, 2022
Book Page	366/857
Instrument	22050305900028

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	523 NORMANDY CT, COVINGTON, KY 41011-3631
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900340
Date	Jun 7, 2021
Book Page	227/633
Instrument	21060705900340

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	523 NORMANDY CT, COVINGTON, KY 41011-3631
Document Number	0000000086
Book / Page	0C6189 / 000040
Instrument Date	Jun 14, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	523 NORMANDY CT COVINGTON KY 410113631, COVINGTON, KY 41011-3631

Mortgage

Document Number	0000000086
Date	Jun 27, 2017
Book Page	0C6189/000040
Instrument	86

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,656.00 (+53.26%) Homeowner's exemption	$317,200 (+51.77%) Land $55,000 Building $262,200	$317,200 (+51.77%) Land $55,000 Building $262,200
2023	$1,733.00 Homeowner's exemption	$209,000 Land $45,000 Building $164,000	$209,000 Land $45,000 Building $164,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	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 252 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

Cell Coverage

5G (outdoors only) and 4G LTE

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