1109 River Hill Dr, Covington, KY 41011 Property Records

Kenton County property record for 1109 River Hill Dr, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,072 sqft · built 1980
Lot Size	0.681 acres (29,686 sqft)
Owner	Individual Name on File
Last Sale	$1,139,750 (Jul 2026)
Tax Bill	$6,937 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-41-10-003.00`

Property Details

APN / Parcel Number

Primary APN	`040-41-10-003.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,072 sqft Finished Area
Gross Area	2,456 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Foundation Type	Pier/Post & Beam
Lot Area	29,686 sqft (0.681 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1109 RIVER HILL DR
City	COVINGTON
State	KY
Zip	41011-1123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT 6 LEWINS RESUB II WOOTONS UNREC BEING 0.6815 ACS SS RIVER HILL DR
Legal Subdivision	DONALD LEWINS RESUB
Legal Phase	2
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4011
Census Tract	63800

Owner

1109 River Hill Dr is owned and occupied by an individual who bought it in July 2026.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Jul 20, 2026	Deed, Transfer · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Dec 5, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2026 · Amount on File
Deed Sale	Jul 20, 2026 · Amount on File
Prior Sale	May 7, 2001 · Amount on File
Deed Document Number	202615269
Deed Book / Page	461 / 569
Prior Transfer Date	Nov 29, 2023
Prior Transfer Doc	0005900020
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Sep 28, 2026
Property Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123
Document Number	0000022005
Book / Page	503 / 764
Instrument Date	Sep 19, 2026
Instrument	202692822005
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123

Mortgage

Document Number	0000022005,
Date	Sep 28, 2026
Book Page	503/764
Instrument	202692822005

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2056

Interest

Max Rate	-1%

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2026
Property Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123
Document Number	0000015269
Book / Page	461 / 569
Instrument Date	Jul 6, 2026
Instrument	202615269
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	EXCEL TITLE CORPORATION, EXCEL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115,114.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123

Mortgage

Document Number	0000015270,
Date	Jul 20, 2026
Instrument	2026072015270

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Dec 5, 2023
Property Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123
Document Number	0005900020
Book / Page	KC 259 / 688
Instrument Date	Nov 29, 2023
Instrument	23120505900020
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1109 RIVER HILL DR, COVINGTON, KY 41011-1123

Tax Assessment & Valuation

The 2025 property tax bill for 1109 River Hill Dr was $6,937.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$700,000 (-) Land $200,000 Building $500,000	$700,000 (-) Land $200,000 Building $500,000
2025	$6,937.00	$700,000 Land $200,000 Building $500,000	$700,000 Land $200,000 Building $500,000
2023	$7,462.00	$700,000 Land $200,000 Building $500,000	$700,000 Land $200,000 Building $500,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1109 River Hill Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1109 River Hill Dr 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 248 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

May also be available: T-Mobile, Verizon.

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