10141 Gretchen Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 10141 Gretchen Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 1996
Lot Size	1.6 acres (69,696 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,115 (2025)
Deeds & Mortgages	Feb 2024 Transfer Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-00-01-004.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-01-004.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,872 sqft Finished Area
Gross Area	3,504 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	69,696 sqft (1.6 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	10141 GRETCHEN DR
City	COVINGTON
State	KY
Zip	41015-9528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RYLAND ESTATES LOT 4 BEING 1.6 ACS
Legal Subdivision	RYLAND ESTATES
Legal Lot Number	4
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2003
Census Tract	65900

Owner

Source: Kenton County records, as of December 2, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	10141 GRETCHEN DR, COVINGTON, KY 41015-9528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2024	Intrafamily Transfer, Transfer
Aug 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 23, 2024
Transfer Doc	0005900088
Record Updated	Jun 8, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Feb 27, 2024
Property Address	10141 GRETCHEN DR, COVINGTON, KY 41015-9528
Document Number	0005900088
Book / Page	KC 271 / 501
Map Reference	PL 82-A
Instrument Date	Feb 23, 2024
Instrument	24022705900088
Transaction Type	Transfer
Record Updated	Mar 22, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10141 GRETCHEN DR, COVINGTON, KY 41015-9528

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10141 GRETCHEN DR, COVINGTON, KY 41015-9528

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	10141 GRETCHEN DR, COVINGTON, KY 41015-9528
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900325
Date	Aug 17, 2021
Book Page	257/902
Instrument	21081705900325

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,115.00 (+54.82%)	$261,600 (+64.53%) Land $30,000 Building $231,600	$261,600 (+64.53%) Land $30,000 Building $231,600
2023	$2,012.00	$159,000 Land $15,000 Building $144,000	$159,000 Land $15,000 Building $144,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

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 18 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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