Kenton County property record for 119 Bluffside Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 832 sqft · built 1981 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $147,000 (Aug 2019) |
| Tax Bill | $1,820 (2025) |
| Deeds & Mortgages | Nov 2022 Mortgage Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-508.01 |
| Primary APN | 045-30-00-508.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 3 Stories |
| Building Area | 832 sqft Finished Area |
| Year Built | Built 1981 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Old Parcel Number | 0453000508.01 |
|---|---|
| Street Address | 119 BLUFFSIDE DR |
| City | COVINGTON |
| State | KY |
| Zip | 41017-9720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 12 LOT 124 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 12 |
| Legal Lot Number | 124 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66801 |
Source: Kenton County records · APN 045-30-00-508.01
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 119 BLUFFSIDE DR, COVINGTON, KY 41017-9720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Aug 29, 2019 | Warranty Deed, Transfer · FHA Mortgage POLARIS HM FNDG |
| Aug 20, 2019 | Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 29, 2019 · Amount on Record |
| Deed Sale | Aug 29, 2019 · Amount on Record |
| Prior Sale | Dec 22, 2008 · Amount on Record |
| Deed Document Number | 0004319214 |
| Deed Book / Page | 4319 / 214 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 119 BLUFFSIDE DR, COVINGTON, KY 41017-9720 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2022 |
| Name | Verified Name |
|---|---|
| Address | 119 BLUFFSIDE DR, COVINGTON, KY 41017-9720 |
| Document Number | 0005900044 |
|---|---|
| Date | Nov 14, 2022 |
| Book Page | 420/703 |
| Instrument | 22111405900044 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 322 Months |
| Due | Sep 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 29, 2019 |
| Property Address | 119 BLUFFSIDE DR, COVINGTON, KY 41017-9720 |
| Document Number | 0000000150 |
| Book / Page | 0I4319 / 000214 |
| Instrument Date | Aug 23, 2019 |
| Instrument | 150 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $147.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 119 BLUFFSIDE DR COVINGTON KY 410179720, COVINGTON, KY 41017-9720 |
| Document Number | 151 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 0I4319/000217 |
| Instrument | 151 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GLENN, MI 49416 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 28, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 119 BLUFFSIDE DR, COVINGTON, KY 41017-9720 |
| Document Number | 0000000041 |
| Instrument Date | Aug 20, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 13, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 119 BLUFFSIDE DR COVINGTON KY 410179720, COVINGTON, KY 41017-9720 |
| Document Number | 0000000041 |
|---|---|
| Date | Oct 24, 2019 |
| Book Page | 0I4351/000076 |
| Instrument | 41 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | 20 W PIKE ST, COVINGTON, KY 41011-2711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 23, 2024 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
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 | $1,820.00 (-7.05%) | $183,700 (-) Land $10,000 Building $173,700 | $183,700 (-) Land $10,000 Building $173,700 |
| 2023 | $1,958.00 | $183,700 Land $10,000 Building $173,700 | $183,700 Land $10,000 Building $173,700 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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.
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 |
| 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.
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