10144 Miller Ln, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 10144 Miller Ln, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,476 sqft · built 1995
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,000 (Oct 2024)
Tax Bill	$3,918 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-00-01-007.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-01-007.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,476 sqft Finished Area
Gross Area	2,628 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	65,776 sqft (1.51 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	10144 MILLER LN
City	COVINGTON
State	KY
Zip	41015-9529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RYLAND ESTATES LOT 7 BEING 1.51 ACS
Legal Subdivision	RYLAND ESTATES
Legal Lot Number	7
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2003
Census Tract	65900

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	2 Individual Names on Record
Mailing Address	10144 MILLER LN, COVINGTON, KY 41015-9529
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 22, 2019	Deed of Trust, Mortgage · VA Mortgage ICONIC MTG CORP
Jul 17, 2017	Quit Claim Deed, Mortgage · VA Mortgage 1ST SIGNATURE LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2024 · Amount on Record
Deed Sale	Oct 16, 2024 · Amount on Record
Prior Sale	Nov 13, 2015 · Amount on Record
Deed Document Number	2024110
Deed Book / Page	309 / 939
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	10144 MILLER LN, COVINGTON, KY 41015-9529
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900135
Date	Sep 20, 2021
Book Page	273/398
Instrument	21092005900135

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	339 Months
Due	Dec 1, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	10144 MILLER LN, COVINGTON, KY 41015-9529
Document Number	0000000035
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10144 MILLER LN COVINGTON KY 410159529, COVINGTON, KY 41015-9529

Mortgage

Document Number	0000000035
Date	Nov 15, 2019
Book Page	0I4361/000124
Instrument	35

Lender

Name	ICONIC MTG CORP
Type	Bank
Address	MIAMI, FL 33132

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2049

July 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jul 17, 2017
Property Address	10144 MILLER LN, COVINGTON, KY 41015-9529
Document Number	0000000123
Book / Page	003970 / 000287
Instrument Date	May 26, 2017
Instrument	123
Transaction Type	Mortgage
Record Updated	Aug 2, 2017
Title Company	VANTAGE PT TITLE INC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10144 MILLER LN COVINGTON KY 410159529, COVINGTON, KY 41015-9529

Mortgage

Document Number	124
Date	Jul 17, 2017
Book Page	003970/000291
Instrument	124

Lender

Name	1ST SIGNATURE LNDG
Address	INDIANAPOLIS, IN 46256

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2047

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
2026		$329,000 (-) Land $30,000 Building $299,000	$329,000 (-) Land $30,000 Building $299,000
2025	$3,918.00 (+62.84%)	$329,000 (+73.07%) Land $30,000 Building $299,000	$329,000 (+73.07%) Land $30,000 Building $299,000
2023	$2,406.00	$190,100 Land $15,100 Building $175,000	$190,100 Land $15,100 Building $175,000

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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