10145 Miller Ln, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 10145 Miller Ln, Covington, KY 41015

Property Summary

Property Type	Vacant Land
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jan 2023)
Tax Bill	$357 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`072-00-01-006.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-01-006.00`

Exterior

Lot Area	45,738 sqft (1.05 acres)

Location & Zoning

Street Address	10145 MILLER LN
City	COVINGTON
State	KY
Zip	41015-9532
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	RYLAND ESTATES LOT 6 BEING 1.05 ACS
Legal Subdivision	RYLAND ESTATES
Legal Lot Number	6
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	10149 MILLER LN, COVINGTON, KY 41015-9532
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2023	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK INC
Aug 3, 2020	Deed of Trust, Mortgage GUARDIAN SVGS BK
Aug 12, 2019	Deed of Trust, Mortgage REPUBLIC BK&TR
Oct 22, 2018	Warranty Deed, Transfer · Conventional with PMI JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2023 · Amount on Record
Deed Sale	Jan 3, 2023 · Amount on Record
Prior Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	202374
Deed Book / Page	207 / 444
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 3, 2023
Property Address	10145 MILLER LN, COVINGTON, KY 41015-9532
Document Number	0005900074
Book / Page	207 / 444
Map Reference	PL 82-A
Instrument Date	Dec 30, 2022
Instrument	23010305900074
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	62 PINE TOP DR, WALTON, KY 41094-1079

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	10149 MILLER LN, COVINGTON, KY 41015-9532

Mortgage

Document Number	0005900075
Date	Jan 3, 2023
Instrument	23010305900075

Lender

Name	HERITAGE BANK INC
Type	Bank

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	10145 MILLER LN, COVINGTON, KY 41015-9532
Document Number	0000000111
Instrument Date	Aug 3, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10145 MILLER LN COVINGTON KY 41015, COVINGTON, KY 41015

Mortgage

Document Number	0000000111
Date	Aug 17, 2020
Book Page	000M83/000804
Instrument	111

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 16, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	10145 MILLER LN, COVINGTON, KY 41015-9532
Document Number	0000000101
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 17, 2019
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10149 MILLER LN COVINGTON KY 410159532, COVINGTON, KY 41015-9532

Mortgage

Document Number	0000000101
Date	Sep 13, 2019
Book Page	0I4327/000344
Instrument	101

Lender

Name	REPUBLIC BK&TR
Type	Bank
Address	LOUISVILLE, KY 40202

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 12, 2034

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 22, 2018
Property Address	10145 MILLER LN, COVINGTON, KY 41015-9532
Document Number	0000000271
Book / Page	0I4182 / 000280
Instrument Date	Oct 12, 2018
Instrument	271
Transaction Type	Transfer
Record Updated	Nov 7, 2018
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	283 ORANGE AVE ST JOHNS FL 322594215, ST JOHNS, FL 32259-4215

Mortgage

Document Number	273
Date	Oct 22, 2018
Book Page	0I4182/000284
Instrument	273

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

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		$30,000 (-) Land $30,000	$30,000 (-) Land $30,000
2025	$357.00 (+41.11%)	$30,000 (+5%) Land $30,000	$30,000 (+5%) Land $30,000
2023	$253.00	$20,000 Land $20,000	$20,000 Land $20,000

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 · 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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