Kenton County property record for 128 Bluffside Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 999 sqft · built 1982 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $170,000 (Dec 2021) |
| Tax Bill | $1,684 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Dec 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-00-517.00 |
| Primary APN | 045-30-00-517.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 999 sqft Finished Area |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Lot Area | 14,375 sqft (0.33 acres) |
| Lot Dimensions | 188 ft deep x 70 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 128 BLUFFSIDE DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEWOOD HILLS SEC 13 LOT 99 |
| Legal Subdivision | LAKEWOOD HILLS |
| Legal Phase | 13 |
| Legal Lot Number | 99 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 66801 |
Source: Kenton County records, as of December 2, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 128 BLUFFSIDE DR, COVINGTON, KY 41017-9719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 19, 2022 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Dec 9, 2021 | Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC |
| Jun 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA |
| Nov 29, 2018 | Warranty Deed, Transfer · Conventional Mortgage VICTORY CMNTY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 9, 2021 · Amount on Record |
| Deed Sale | Dec 9, 2021 · Amount on Record |
| Prior Sale | Nov 29, 2018 · Amount on Record |
| Deed Document Number | 20215900271 |
| Deed Book / Page | 136 / 88 |
| Prior Transfer Date | Oct 3, 2005 |
| Prior Transfer Doc | 0005900073 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 128 BLUFFSIDE DR, COVINGTON, KY 41017-9719 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0005900070 |
|---|---|
| Date | Jan 19, 2022 |
| Book Page | 328/140 |
| Instrument | 22011905900070 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount Recorded |
|---|---|
| Term | 58 Months |
| Due | Nov 23, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 9, 2021 |
| Property Address | 128 BLUFFSIDE DR, COVINGTON, KY 41017-9719 |
| Document Number | 0005900271 |
| Book / Page | 136 / 88 |
| Map Reference | MB 21 PG 44 |
| Instrument Date | Dec 3, 2021 |
| Instrument | 21120905900271 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2021 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 128 BLUFFSIDE DR, 128, COVINGTON, KY 41017-9719 |
| Name | Verified Name |
|---|---|
| Address | 128 BLUFFSIDE DR, COVINGTON, KY 41017-9719 |
| Document Number | 0005900272 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 21120905900272 |
| Name | SUCCESS MORTGAGE PARTNERS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 128 BLUFFSIDE DR, COVINGTON, KY 41017-9719 |
| Document Number | 0000000110 |
| Instrument Date | Jun 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 128 BLUFFSIDE DR COVINGTON KY 410179719, COVINGTON, KY 41017-9719 |
| Document Number | 0000000110 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 000M67/000462 |
| Instrument | 110 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 8, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 29, 2018 |
| Property Address | 128 BLUFFSIDE DR, COVINGTON, KY 41017-9719 |
| Document Number | 0000000090 |
| Book / Page | 0I4199 / 000033 |
| Instrument Date | Nov 16, 2018 |
| Instrument | 90 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2018 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 128 BLUFFSIDE DR COVINGTON KY 410179719, COVINGTON, KY 41017-9719 |
| Document Number | 91 |
|---|---|
| Date | Nov 29, 2018 |
| Book Page | 0I4199/000036 |
| Instrument | 91 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 28, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.99% |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,684.00 (-7.06%) | $170,000 (-) Land $20,000 Building $150,000 | $170,000 (-) Land $20,000 Building $150,000 |
| 2023 | $1,812.00 | $170,000 Land $20,000 Building $150,000 | $170,000 Land $20,000 Building $150,000 |
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
| 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.
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 89 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 |
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