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

Kenton County property record for 12 Bluffside Dr, Covington, KY 41017 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1978
Square Footage998 sqft Finished Area
Lot Size8,276 sqft (0.19 acres)
OccupancyOwner Occupied
Last Sale$250,000 (2026)
Tax Bill$1,783.00 (2025)

Property Details

APN / Parcel Number

Primary APN045-30-00-066.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area998 sqft Finished Area
Stories3 Stories

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Exterior MaterialBrick Exterior
Roof MaterialComposition Shingle Roof
Lot Area8,276 sqft (0.19 acres)
Parking Spaces1 Parking Spaces
Garage TypeAttached Garage

Utilities and HVAC

Cooling SystemCentral Cooling
Heating SystemHeat Pump Heating
Heating FuelElectric Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Street Address12 BLUFFSIDE DR
CityCOVINGTON
StateKY
Zip41017-9732
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLAKEWOOD HILLS SEC 5 LOT 307
Legal SubdivisionLAKEWOOD HILLS
Legal Phase5
Legal Lot Number307
JurisdictionKENTON KY
Minor Civil DivisionINDEPENDENCE
Census Blockgroup1
Census Block1017
Census Tract66801

Owner

Source: Kenton County records · APN 045-30-00-066.00

Assessment roll updated December 2, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address12 BLUFFSIDE DR, COVINGTON, KY 41017-9732
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 01, 2026Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
GERMAN AMERICAN BANK
Oct 06, 2020Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
AMERICAN MTG SVC
May 21, 2020Grant Deed, Transfer
NOT AVAILABLE
Jan 18, 2017Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage
NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 01, 2026 · Amount on Record
Deed SaleJun 01, 2026 · Amount on Record
Prior SaleOct 06, 2020 · Amount on Record
Deed Doc Number2026060111280
Deed Book / Page439 / 572
Record RefreshedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJun 01, 2026
Property Address12 BLUFFSIDE DR, COVINGTON, KY 41017-9732
Document Number0000011280
Book / Page439 / 572
Instrument DateMay 27, 2026
Instrument202611280
Transaction TypeTransfer
Record UpdatedJun 17, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$25,250.00
Amount AccuracyCalculated from Tax (Full/Partial Unknown)
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 BLUFFSIDE DR, COVINGTON, KY 41017-9732

Mortgage

Document Number0000011281,
DateJun 01, 2026
Book Page439/575
Instrument2026060111281
Lender
NameGERMAN AMERICAN BANK
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate6.3%
Max Rate-1%

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateOct 06, 2020
Property Address12 BLUFFSIDE DR, COVINGTON, KY 41017-9732
Document Number0000000033
Book / Page000047 / 000321
Instrument DateSep 29, 2020
Instrument33
Transaction TypeTransfer
Record UpdatedOct 28, 2020
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$180.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address12 BLUFFSIDE DR COVINGTON KY 410179732, COVINGTON, KY 41017-9732

Mortgage

Document Number34
DateOct 06, 2020
Book Page00M107/000494
Instrument34
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueOct 05, 2050

May 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateMay 21, 2020
Property Address12 BLUFFSIDE DR, COVINGTON, KY 41017-9732
Document Number0000000200
Book / Page000022 / 000631
Instrument DateMay 01, 2020
Instrument200
Transaction TypeTransfer
Record UpdatedJul 14, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$60.00
Amount AccuracyConfirmed
Additional
  • Lis Pendens
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2153 GOLDEN VALLEY DR INDEPENDENCE KY 410517424, INDEPENDENCE, KY 41051-7424

January 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateJan 18, 2017
Property Address12 BLUFFSIDE DR, COVINGTON, KY 41017-9732
Document Number0000000180
Book / Page0I3886 / 000219
Instrument DateJan 13, 2017
Instrument180
Transaction TypeTransfer
Record UpdatedAug 18, 2018

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$118.90
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address12 BLUFFSIDE DR COVINGTON KY 410179732, COVINGTON, KY 41017-9732

Mortgage

Document Number182
DateJan 18, 2017
Book Page0I3886/000221
Instrument182
Lender
NameNATIONS RELIABLE LNDG
AddressHOUSTON, TX 77098
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 17, 2047

Mortgage

Document Number184,
DateJan 18, 2017
Book Page0I3886/000237
Instrument184
Lender
NameMISCELLANEOUS GOVT AGCY
AddressCOVINGTON, KY 41017
Agreement
AmountAmount Recorded
Term60 Months
DueJan 17, 2022

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton 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.

YearTax BillAssessed ValueAssessed Market Value
2025$1,783.00 (-7.04%)$180,000 (-) Land $10,000 Building $170,000$180,000 (-) Land $10,000 Building $170,000
2023$1,918.00$180,000 Land $10,000 Building $170,000$180,000 Land $10,000 Building $170,000

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