72 Covert Pl, Fort Thomas, KY 41075 Property Records

Campbell County property record for 72 Covert Pl, Fort Thomas, KY 41075

Property Summary

Property Type	Single Family Home
Lot Size	0.677 acres (29,503 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Sep 2015)
Tax Bill	$1,705 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`999-99-13-962.01`

Property Details

APN / Parcel Number

Primary APN	`999-99-13-962.01`

Exterior

Lot Area	29,503 sqft

Location & Zoning

Street Address	72 COVERT PL
City	FORT THOMAS
State	KY
Zip	41075-1010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 2 SEC 4 & PT LOT 1 SEC 5 SINSTON ACRES SUB PT LOT 11 COVERT IV NEW LOT A 0.6773 AC
Legal Subdivision	WINSTON ACRES
Legal Phase	4 & 5
Legal Lot Number	1-2,11
Jurisdiction	CAMPBELL KY
Township / Civil Division	NEWPORT-FORT THOMAS
Census Block Group	2
Census Block	2000
Census Tract	51300

Owner

72 Covert Pl is owned and occupied by two individuals who bought it in September 2015.

Source: Campbell County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	72 COVERT PL, FORT THOMAS, KY 41075-1010
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
Nov 17, 2025	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK KENTUCKY INC
Sep 2, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
May 18, 2021	Deed of Trust, Mortgage · Commercial Mortgage US BANK NA
Dec 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BANK & TRUST CO
Apr 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2015 · Amount on File
Deed Sale	Sep 8, 2015 · Amount on File
Prior Sale	Jan 30, 2013
Deed Document Number	5026793
Deed Book / Page	D770 / 504
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	72 COVERT PL, FORT THOMAS, KY 41075-1010
Transaction Type	Mortgage
Record Updated	Dec 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 COVERT PL, FORT THOMAS, KY 41075-1010

Mortgage

Document Number	0006004909
Date	Nov 17, 2025
Book Page	M2474/532
Instrument	6004909

Lender

Name	FIFTH THIRD BANK KENTUCKY INC
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 25, 2055

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	72 COVERT PL, FORT THOMAS, KY 41075-1010
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 COVERT PL, FORT THOMAS, KY 41075-1010

Mortgage

Document Number	0005158858
Date	Sep 2, 2022
Book Page	M2357/258
Instrument	5158858

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Aug 3, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	72 COVERT PL, FORT THOMAS, KY 41075-1010
Transaction Type	Mortgage
Record Updated	Jun 1, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	72 COVERT PL, FORT THOMAS, KY 41075-1010

Mortgage

Document Number	0005132325
Date	May 18, 2021
Book Page	M2286/466
Instrument	5132325

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 15, 2051

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	72 COVERT PL, FORT THOMAS, KY 41075-1010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005084800
Date	Dec 12, 2018
Book Page	M2166/705
Instrument	5084800

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 6, 2028

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAMPBELL KY
Property Address	72 COVERT PL, FORT THOMAS, KY 41075-1010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005107685
Date	Apr 3, 2020
Book Page	M2216/523
Instrument	5107685

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 72 Covert Pl was $1,705.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Campbell County
Municipality	Fort Thomas City
Unified School District	Fort Thomas Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,705.00	$462,200 Land $100,000 Building $362,200	$462,200 Land $100,000 Building $362,200
2023	$1,825.00 (-2.46%)	$462,200 (-) Land $100,000 Building $362,200	$462,200 (-) Land $100,000 Building $362,200
2022	$1,871.00	$462,200 Land $100,000 Building $362,200	$462,200 Land $100,000 Building $362,200

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

Flood

FEMA maps place 72 Covert Pl in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 72 Covert Pl 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 94% of the US · lower than 95% 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.

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 234 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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