Kenton County property record for 10134 Gretchen Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,881 sqft · built 1995 |
| Lot Size | 2.84 acres (124,146 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,000 (Jun 2018) |
| Tax Bill | $3,555 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Nov 2018 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-01-009.00 |
| Primary APN | 072-00-01-009.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,881 sqft Finished Area |
| Gross Area | 2,223 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 124,146 sqft (2.84 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0720001009.00 |
|---|---|
| Street Address | 10134 GRETCHEN DR |
| City | COVINGTON |
| State | KY |
| Zip | 41015-9524 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RYLAND ESTATES LOT 9 BEING 2.85 ACS |
| Legal Subdivision | RYLAND ESTATES |
| Legal Lot Number | 9 1881 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 65900 |
Source: Kenton County records · APN 072-00-01-009.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10134 GRETCHEN DR, COVINGTON, KY 41015-9524 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNION SAVINGS BANK |
| Nov 17, 2018 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK |
| Aug 22, 2018 | Deed of Trust, Mortgage · Conventional with PMI UNION SVGS |
| Aug 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Jun 25, 2018 | Warranty Deed, Transfer UNION SVGS |
| May 09, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 25, 2018 · Amount on Record |
| Deed Sale | Jun 25, 2018 · Amount on Record |
| Prior Sale | Aug 29, 1994 · Amount on Record |
| Deed Document Number | 0004123310 |
| Deed Book / Page | 4123 / 310 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10134 GRETCHEN DR, COVINGTON, KY 41015-9524 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2021 |
| Title Company | NOT AVAILABLE, ATS |
| Name | Verified Name |
|---|
| Document Number | 0005900140 |
|---|---|
| Date | May 19, 2021 |
| Book Page | 217/329 |
| Instrument | 21051905900140 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45249 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10134 GRETCHEN DR, COVINGTON, KY 41015-9524 |
| Document Number | 0000000115 |
| Instrument Date | Nov 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 10134 GRETCHEN DR COVINGTON KY 410159524, COVINGTON, KY 41015-9524 |
| Document Number | 0000000115 |
|---|---|
| Date | Dec 28, 2018 |
| Book Page | 0I4209/000328 |
| Instrument | 115 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 27, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10134 GRETCHEN DR, COVINGTON, KY 41015-9524 |
| Document Number | 0000000240 |
| Instrument Date | Aug 22, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 10134 GRETCHEN DR COVINGTON KY 410159524, COVINGTON, KY 41015-9524 |
| Document Number | 0000000240 |
|---|---|
| Date | Aug 30, 2018 |
| Book Page | 0I4156/000193 |
| Instrument | 240 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 29, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10134 GRETCHEN DR, COVINGTON, KY 41015-9524 |
| Document Number | 0000000207 |
| Instrument Date | Aug 13, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10134 GRETCHEN DR COVINGTON KY 410159524, COVINGTON, KY 41015-9524 |
| Document Number | 0000000207 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 0I4150/000295 |
| Instrument | 207 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 19, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 25, 2018 |
| Property Address | 10134 GRETCHEN DR, COVINGTON, KY 41015-9524 |
| Document Number | 0000000065 |
| Book / Page | 0I4123 / 000310 |
| Instrument Date | Jun 13, 2018 |
| Instrument | 65 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $289.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10134 GRETCHEN DR COVINGTON KY 410159524, COVINGTON, KY 41015-9524 |
| Document Number | 66 |
|---|---|
| Date | Jun 25, 2018 |
| Book Page | 0I4123/000313 |
| Instrument | 66 |
| Name | UNION SVGS |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45249 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 24, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10134 GRETCHEN DR, COVINGTON, KY 41015-9524 |
| Document Number | 0000000142 |
| Book / Page | 0I3947 / 000098 |
| Instrument Date | May 09, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10134 GRETCHEN DR COVINGTON KY 410159524, COVINGTON, KY 41015-9524 |
| Document Number | 0000000142 |
|---|---|
| Date | Jun 01, 2017 |
| Book Page | 0I3947/000098 |
| Instrument | 142 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 31, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ryland Heights City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,555.00 (-5.93%) | $298,500 (-) Land $35,000 Building $263,500 | $298,500 (-) Land $35,000 Building $263,500 |
| 2023 | $3,779.00 | $298,500 Land $28,500 Building $270,000 | $298,500 Land $28,500 Building $270,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 18 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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