Kenton County property record for 10981 Marshall Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 3,735 sqft · built 2003 |
| Lot Size | 3.63 acres (158,297 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,783 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-20-00-048.02 |
| Primary APN | 061-20-00-048.02 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,735 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 158,297 sqft (3.63 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Old Parcel Number | 0612000048.02 |
|---|---|
| Street Address | 10981 MARSHALL RD |
| City | COVINGTON |
| State | KY |
| Zip | 41015-9326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAK TREE ACRES PT LOTS 6-8 3.6341 ACS SS MARSHALL RD KNOWN AS ID PLAT PARCEL 8A |
| Legal Subdivision | OAK TREE ACRES |
| Legal Lot Number | 6,8 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | PINER-VISALIA |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 63702 |
Source: Kenton County assessment roll, as of April 1, 2025
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 File |
|---|---|
| Mailing Address | 10981 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 20, 2002 |
| Deed Sale | Feb 20, 2002 |
| Deed Document Number | 0000548323 |
| Record Updated | Jun 8, 2026 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $4,783.00 (-4.66%) Homeowner's exemption | $460,400 (+15.79%) Land $70,000 Building $390,400 | $460,400 (+15.79%) Land $70,000 Building $390,400 |
| 2023 | $5,017.00 | $397,600 Land $35,000 Building $362,600 | $397,600 Land $35,000 Building $362,600 |
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 at the parcel |
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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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