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

Kenton County property record for 822 Highland Ave, Fort Wright, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,063 sqft
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Oct 2024)
Tax Bill	$4,240 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Apr 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`041-40-02-004.00`

Property Details

APN / Parcel Number

Primary APN	`041-40-02-004.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,063 sqft Finished Area
Gross Area	2,580 sqft

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	822 HIGHLAND AVE
City	FT WRIGHT
State	KY
Zip	41011-4012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6 & 7 SCHLOSSER PLUS 117.5FT WS HIGHLAND AVE 100.04FT SW-15FT ALLEY EXCEPT PARCEL TO COMM BEING 0.17 ACS NET PER GIS
Legal Subdivision	FRANK SCHLOSSERS SUBDIVISION
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1004
Census Tract	65100

Owner

822 Highland Ave is owned and occupied by two individuals who bought it in October 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	822 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2019	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Apr 12, 2019	Quit Claim Deed, Transfer 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS
Oct 10, 2018	Deed of Trust, Mortgage · Line of Credit NORTH SIDE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2024 · Amount on File
Deed Sale	Oct 15, 2024 · Amount on File
Prior Sale	Dec 4, 2019 · Amount on File
Deed Document Number	202456
Deed Book / Page	309 / 676
Prior Transfer Date	Mar 27, 2019
Prior Transfer Doc	0000000070
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 4, 2019
Property Address	822 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Document Number	0000000048
Book / Page	0C6817 / 000048
Instrument Date	Nov 27, 2019
Instrument	48
Transaction Type	Transfer
Record Updated	Dec 19, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 HIGHLAND AVE FORT WRIGHT KY 410114012, FORT WRIGHT, KY 41011-4012

Mortgage

Document Number	51
Date	Dec 4, 2019
Book Page	0C6817/000053
Instrument	51

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 3, 2049

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Apr 12, 2019
Property Address	822 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Document Number	0000000070
Book / Page	0C6638 / 000049
Instrument Date	Mar 27, 2019
Instrument	70
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	822 HIGHLAND AVE FORT WRIGHT KY 410114012, FORT WRIGHT, KY 41011-4012

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	822 HIGHLAND AVE, FT WRIGHT, KY 41011-4012
Document Number	0000000282
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 8, 2018
Title Company	BUCKEYE LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	822 HIGHLAND AVE FORT WRIGHT KY 410114012, FORT WRIGHT, KY 41011-4012

Mortgage

Document Number	0000000282
Date	Oct 22, 2018
Book Page	0C6529/000109
Instrument	282

Lender

Name	NORTH SIDE BK
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 21, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 822 Highland Ave was $4,240.

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		$320,000 (-) Land $20,000 Building $300,000	$320,000 (-) Land $20,000 Building $300,000
2025	$4,240.00	$320,000 Land $20,000 Building $300,000	$320,000 Land $20,000 Building $300,000
2023	$3,579.00	$268,700 Land $20,000 Building $248,700	$268,700 Land $20,000 Building $248,700

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

Flood

FEMA maps place 822 Highland Ave 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

Wildfire risk around 822 Highland Ave 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 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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