Kenton County property record for 81 Kyles Ln, Fort Wright, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,576 sqft · built 1929 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $220,000 (May 2025) |
| Tax Bill | $2,266 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit May 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-20-00-095.02 |
| Primary APN | 041-20-00-095.02 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,576 sqft Finished Area |
| Gross Area | 1,891 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 81 KYLES LN |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3758 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KNOCHELMANS 1ST ADDN TO FT WRIGHT PT LOT 3 |
| Legal Subdivision | KNOCHELMANS ADDN FT WRIGHT |
| Legal Phase | 1ST |
| Legal Lot Number | 3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 65200 |
81 Kyles Ln is owned by two individuals who bought it in May 2025.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12314 HUTTON DR, WALTON, KY 41094-9744 |
| Owner Type | Individual |
| Vesting | Remainderman |
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 |
|---|---|
| Jul 29, 2026 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| May 6, 2025 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Jun 20, 2019 | Grant Deed, Transfer · Conventional Mortgage CENTRAL BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2025 · Amount on File |
| Deed Sale | May 6, 2025 · Amount on File |
| Prior Sale | Jun 20, 2019 · Amount on File |
| Deed Document Number | 202519 |
| Deed Book / Page | 341 / 369 |
| Prior Transfer Date | May 23, 2003 |
| Prior Transfer Doc | 0529059003 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 29, 2026 |
| Property Address | 81 KYLES LN, COVINGTON, KY 41011-3758 |
| Document Number | 0000016528 |
| Book / Page | 468 |
| Instrument Date | Jul 2, 2026 |
| Instrument | 202616528 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 12314 HUTTON DR, WALTON, KY 41094-9744 |
| Document Number | 0000016528, |
|---|---|
| Date | Jul 29, 2026 |
| Book Page | 468/468 |
| Instrument | 202616528 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.48% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 6, 2025 |
| Property Address | 81 KYLES LN, FT WRIGHT, KY 41011-3758 |
| Document Number | 0005900019 |
| Book / Page | KC 341 / 369 |
| Instrument Date | Apr 30, 2025 |
| Instrument | 25050605900019 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2025 |
| Title Company | PROMINENT TITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 81 KYLES LN, FT MITCHELL, KY 41011-3758 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 12314 HUTTON DR, WALTON, KY 41094-9744 |
| Document Number | 0005900020 |
|---|---|
| Date | May 6, 2025 |
| Instrument | 25050605900020 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 20, 2019 |
| Property Address | 81 KYLES LN, COVINGTON, KY 41011-3758 |
| Document Number | 0000000235 |
| Book / Page | 0C6686 / 000141 |
| Instrument Date | Jun 19, 2019 |
| Instrument | 235 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $164.95 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 81 KYLES LN COVINGTON KY 410113758, COVINGTON, KY 41011-3758 |
| Document Number | 236 |
|---|---|
| Date | Jun 20, 2019 |
| Book Page | 0C6686/000144 |
| Instrument | 236 |
| Name | CENTRAL BK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 19, 2049 |
The 2025 property tax bill for 81 Kyles Ln was $2,266.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Wright City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $220,000 (-3.8%) Land $40,000 Building $180,000 | $220,000 (-3.8%) Land $40,000 Building $180,000 | |
| 2025 | $2,266.00 | $228,700 Land $40,000 Building $188,700 | $228,700 Land $40,000 Building $188,700 |
| 2023 | $1,757.00 | $164,900 Land $45,000 Building $119,900 | $164,900 Land $45,000 Building $119,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 81 Kyles Ln in Zone X, an area of minimal flood risk.
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 risk around 81 Kyles Ln 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 | 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 314 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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