109 Bluffside Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 109 Bluffside Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 925 sqft · built 1979
Lot Size	0.21 acres (9,148 sqft)
Owner	Company Name on File
Last Sale	$112,000 (Jul 2015)
Tax Bill	$1,762 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-498.01`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-498.01`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	925 sqft Finished Area
Gross Area	1,167 sqft

Exterior

Year Built	Built 1979
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	125 ft deep x 56 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0453000498.01
Street Address	109 BLUFFSIDE DR
City	COVINGTON
State	KY
Zip	41017-9472
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKEWOOD HILLS SEC 6 LOT 130
Legal Subdivision	LAKEWOOD HILLS
Legal Phase	6
Legal Lot Number	130
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1000
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-00-498.01

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	Company Name on File
Mailing Address	109 BLUFFSIDE DR, COVINGTON, KY 41017-9472
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 28, 2015 · Amount on Record
Deed Sale	Jul 28, 2015 · Amount on Record
Prior Sale	Apr 17, 2003
Deed Document Number	0003625176
Deed Book / Page	3625 / 176
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	109 BLUFFSIDE DR, COVINGTON, KY 41017-9472
Transaction Type	Mortgage
Record Updated	Aug 25, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900252
Date	Aug 11, 2021
Book Page	255/66
Instrument	21081105900252

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2051

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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	$1,762.00 (-7.07%)	$177,900 (-) Land $10,000 Building $167,900	$177,900 (-) Land $10,000 Building $167,900
2023	$1,896.00	$177,900 Land $10,000 Building $167,900	$177,900 Land $10,000 Building $167,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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; lenders make the official flood determination.

Internet Providers

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
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 385 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system KY0590220, 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

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 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.