Kenton County property record for 10576 Cotswold Way, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,107 sqft · built 2005 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $395,000 (Sep 2005) |
| Tax Bill | $4,593 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-01-132.00 |
| Primary APN | 061-00-01-132.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,107 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 125 ft deep x 100 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 10576 COTSWOLD WAY |
|---|---|
| City | LATONIA |
| State | KY |
| Zip | 41015-9012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANOR HILL SEC 4 LOT 132 |
| Legal Subdivision | MANOR HILL |
| Legal Phase | 4 |
| Legal Lot Number | 132 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 65800 |
10576 Cotswold Way is owned and occupied by an individual who acquired it in February 2010.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 10576 COTSWOLD WAY, LATONIA, KY 41015-9012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 4, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2005 · Amount on File |
| Deed Sale | Sep 12, 2005 · Amount on File |
| Prior Sale | Mar 9, 2005 · Amount on File |
| Deed Document Number | 200509 12 059 00272 |
| Deed Book / Page | 1705 / 286 |
| Last Transfer Date | Feb 12, 2010 |
| Transfer Doc | 0005900120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 2, 2026 |
| Property Address | 10576 COTSWOLD WAY, LATONIA, KY 41015-9012 |
| Document Number | 0000013719 |
| Book / Page | 454 / 471 |
| Instrument Date | May 28, 2026 |
| Instrument | 202613719 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 10576 COTSWOLD WAY, LATONIA, KY 41015-9012 |
| Document Number | 0000013719, |
|---|---|
| Date | Jul 2, 2026 |
| Book Page | 454/471 |
| Instrument | 202613719 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 4, 2026 |
| Property Address | 10576 COTSWOLD WAY, LATONIA, KY 41015-9012 |
| Document Number | 0000008952 |
| Book / Page | 423 / 545 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 20268952 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10576 COTSWOLD WAY, LATONIA, KY 41015-9012 |
The 2025 property tax bill for 10576 Cotswold Way was $4,593.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $395,000 (-) Land $65,000 Building $330,000 | $395,000 (-) Land $65,000 Building $330,000 | |
| 2025 | $4,593.00 | $395,000 Land $65,000 Building $330,000 | $395,000 Land $65,000 Building $330,000 |
| 2023 | $4,399.00 Homeowner's exemption | $395,000 Land $35,000 Building $360,000 | $395,000 Land $35,000 Building $360,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10576 Cotswold Way in Zone X, an area of minimal flood risk.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 risk around 10576 Cotswold Way 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 43 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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