648 Ridgeway Dr, Taylor Mill (Latonia), KY 41015 Property Records

Kenton County property record for 648 Ridgeway Dr, Taylor Mill, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,246 sqft · built 1954
Lot Size	0.405 acres (17,642 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,009 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`058-40-00-098.00`

Property Details

APN / Parcel Number

Primary APN	`058-40-00-098.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,246 sqft Finished Area
Gross Area	2,359 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	17,642 sqft (0.405 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	648 RIDGEWAY DR
City	TAYLOR MILL
State	KY
Zip	41015-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIDGEWAY SEC 2 LOT 13 & S 1/2 LOT 14 .405 ACS ES RIDGEWAY DR
Legal Subdivision	RIDGEWAY
Legal Phase	2
Legal Lot Number	13,14
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	65300

Owner

648 Ridgeway Dr is owned and occupied by two individuals who acquired it in November 2015.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	648 RIDGEWAY DR, TAYLOR MILL, KY 41015-2220
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
Feb 10, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 6, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 15, 2015
Transfer Doc	0005900085
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	648 RIDGEWAY DR, TAYLOR MILL, KY 41015-2220
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 RIDGEWAY DR, TAYLOR MILL, KY 41015-2220

Mortgage

Document Number	0000002683
Date	Feb 10, 2026
Book Page	733/1
Instrument	26059000002683

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	648 RIDGEWAY DR, TAYLOR MILL, KY 41015-2220
Transaction Type	Mortgage
Record Updated	Sep 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 RIDGEWAY DR, TAYLOR MILL, KY 41015-2220

Mortgage

Document Number	0005900061
Date	Sep 6, 2023
Book Page	KCM 489/589
Instrument	23090605900061

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	332 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	648 RIDGEWAY DR, TAYLOR MILL, KY 41015-2220
Transaction Type	Mortgage
Record Updated	Apr 28, 2021
Title Company	360 AMERICAN TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900086
Date	Apr 16, 2021
Book Page	202/726
Instrument	21041605900086

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	648 RIDGEWAY DR, TAYLOR MILL, KY 41015-2220
Document Number	0000000200
Instrument Date	Dec 26, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	OLD TOWN TITLE AGENCY, OLD TOWN TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	648 RIDGEWAY DR TAYLOR MILL KY 410152220, TAYLOR MILL, KY 41015-2220

Mortgage

Document Number	0000000200
Date	Jan 3, 2019
Book Page	0I4211/000291
Instrument	200

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 2, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 648 Ridgeway Dr was $2,009.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$202,800 (-) Land $30,000 Building $172,800	$202,800 (-) Land $30,000 Building $172,800
2025	$2,009.00	$202,800 Land $30,000 Building $172,800	$202,800 Land $30,000 Building $172,800
2023	$1,524.00	$143,000 Land $25,000 Building $118,000	$143,000 Land $25,000 Building $118,000

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

Flood

FEMA maps place 648 Ridgeway Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · 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 Policies	1 in force
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 1997 · Severe Storm, Flooding, And Tornadoes

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 648 Ridgeway Dr is low, with 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 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 143 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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