Kenton County property record for 10964 Marshall Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,343 sqft · built 1995 |
| Lot Size | 1.59 acres (69,260 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,071 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-20-00-017.03 |
| Primary APN | 061-20-00-017.03 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,343 sqft Finished Area |
| Gross Area | 3,018 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 69,260 sqft (1.59 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|
| Street Address | 10964 MARSHALL RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHAW ESTATES SEC 1 LOT 3 |
| Legal Subdivision | SHAW ESTATES |
| Legal Phase | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 65800 |
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 | 10964 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 30, 2019 | Deed of Trust, Mortgage · Line of Credit COVE FCU |
| Aug 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage COVE FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10964 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Document Number | 0000000229 |
| Instrument Date | Aug 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10964 MARSHALL RD COVINGTON KY 410159326, COVINGTON, KY 41015-9326 |
| Document Number | 0000000229 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 0I4326/000177 |
| Instrument | 229 |
| Name | COVE FCU |
|---|---|
| Address | EDGEWOOD, KY 41017 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 10, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10964 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Document Number | 0000000228 |
| Instrument Date | Aug 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10964 MARSHALL RD COVINGTON KY 410159326, COVINGTON, KY 41015-9326 |
| Document Number | 0000000228 |
|---|---|
| Date | Sep 11, 2019 |
| Book Page | 0I4326/000163 |
| Instrument | 228 |
| Name | COVE FCU |
|---|---|
| Address | EDGEWOOD, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 10, 2029 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $350,100 (-) Land $65,000 Building $285,100 | $350,100 (-) Land $65,000 Building $285,100 | |
| 2025 | $4,071.00 (+12.21%) | $350,100 (+21.77%) Land $65,000 Building $285,100 | $350,100 (+21.77%) Land $65,000 Building $285,100 |
| 2023 | $3,628.00 | $287,500 Land $40,000 Building $247,500 | $287,500 Land $40,000 Building $247,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 84 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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