816 Highland Ave, Fort Wright (Covington), KY 41011 Property Records

Kenton County property record for 816 Highland Ave, Fort Wright, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,166 sqft
Lot Size	0.269 acres (11,700 sqft)
Owner	Individual Name on Record
Last Sale	$373,000 (May 2026)
Tax Bill	$4,636 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041-40-02-002.00`

Property Details

APN / Parcel Number

Primary APN	`041-40-02-002.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,166 sqft Finished Area

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	11,700 sqft (0.269 acres)
Lot Dimensions	130 ft deep x 90 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	816 HIGHLAND AVE
City	FT WRIGHT
State	KY
Zip	41011-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90X130' NWS HIGHLAND AVE BEING PT LOTS 4-5 SCHLOSSER
Legal Subdivision	SCHLOSSER
Legal Lot Number	4-5
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	65100

Owner

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

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	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Apr 15, 2024	Warranty Deed, Transfer · Line of Credit REPUBLIC BANK & TRUST CO
Oct 2, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on Record
Deed Sale	May 28, 2026 · Amount on Record
Prior Sale	Apr 15, 2024 · Amount on Record
Deed Document Number	202610967
Deed Book / Page	437 / 623
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900011
Date	Feb 29, 2024
Book Page	KCM 529/388
Instrument	24022905900011

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 28, 2026
Property Address	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Document Number	0000010967
Book / Page	437 / 623
Instrument Date	May 19, 2026
Instrument	202610967
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	360 AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37,673.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012

Mortgage

Document Number	0000010968,
Date	May 28, 2026
Book Page	437/628
Instrument	2026052810968

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2024
Property Address	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Document Number	0005900156
Book / Page	KC279 / 484
Instrument Date	Apr 12, 2024
Instrument	24041505900156
Transaction Type	Transfer
Record Updated	May 22, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012

Mortgage

Document Number	0005900157
Date	Apr 15, 2024
Instrument	24041505900157

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0005900157
Date	Apr 15, 2024
Book Page	KCM540/614
Instrument	24041505900157

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	601 W MARKET ST, LOUISVILLE, KY 40202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 2, 2023
Property Address	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Document Number	0005900011
Book / Page	KC 249 / 394
Instrument Date	Sep 25, 2023
Instrument	23100205900011
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 13, 2023
Title Company	OLD TOWN TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	816 HIGHLAND AVE, FT WRIGHT, KY 41011-4012

Mortgage

Document Number	0005900012
Date	Oct 2, 2023
Instrument	23100205900012

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Type Change Date	Oct 1, 2026
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year T-Bill
Max Rate	12.8%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$349,900 (-) Land $10,000 Building $339,900	$349,900 (-) Land $10,000 Building $339,900
2025	$4,636.00 (+93.41%)	$349,900 (+94.39%) Land $10,000 Building $339,900	$349,900 (+94.39%) Land $10,000 Building $339,900
2023	$2,397.00 (+0.84%)	$180,000 (-) Land $10,000 Building $170,000	$180,000 (-) Land $10,000 Building $170,000
2022	$2,377.00	$180,000 Land $10,000 Building $170,000	$180,000 Land $10,000 Building $170,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 187 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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