Kenton County property record for 13 Otter Dr, Covington, KY 41017 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1998 |
| Square Footage | 924 sqft Finished Area |
| Lot Size | 7,841 sqft (0.18 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $245,000 (2023) |
| Tax Bill | $2,427.00 (2025) |
| Primary APN | 045-30-01-018.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 924 sqft Finished Area |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Bi-Level Style |
| Exterior Material | Brick Exterior |
| Construction Type | Brick Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,841 sqft (0.18 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Street Address | 13 OTTER DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9391 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 1 LOT 18 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 1 |
| Census Block | 1022 |
| Census Tract | 66801 |
Source: Kenton County records · APN 045-30-01-018.00
Assessment roll updated December 2, 2025 · Last verified April 2026
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 | 13 OTTER DR, FT MITCHELL, KY 41017-9391 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Oct 05, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Oct 01, 2018 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) AMERICAN MTG SVC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 2023 · Amount on Record |
| Deed Sale | Apr 26, 2023 · Amount on Record |
| Prior Sale | Oct 01, 2018 · Amount on Record |
| Deed Doc Number | 202330 |
| Deed Book / Page | 223 / 852 |
| Prior Transfer Date | Aug 20, 2004 |
| Prior Transfer Doc | 0I14280189 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 26, 2023 |
| Property Address | 13 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0005900030 |
| Book / Page | KC 223 / 852 |
| Map Reference | SL A-185 |
| Instrument Date | Apr 24, 2023 |
| Instrument | 23042605900030 |
| Transaction Type | Transfer |
| Record Updated | May 08, 2023 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 176 RIDGE WIND DRIVE, ALEXANDRIA, KY 41001 |
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 13 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0005900031 |
|---|---|
| Date | Apr 26, 2023 |
| Book Page | KCM 456/505 |
| Instrument | 23042605900031 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 13 OTTER DR, COVINGTON, KY 41017-9391 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900045 |
|---|---|
| Date | Oct 05, 2021 |
| Book Page | 280/758 |
| Instrument | 21100505900045 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 01, 2018 |
| Property Address | 13 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0000000145 |
| Book / Page | 0I4172 / 000302 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 145 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13 OTTER DR COVINGTON KY 410179391, COVINGTON, KY 41017-9391 |
| Document Number | 151 |
|---|---|
| Date | Oct 01, 2018 |
| Book Page | 0I4172/000311 |
| Instrument | 151 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2048 |
| Document Number | 153, |
|---|---|
| Date | Oct 01, 2018 |
| Book Page | 0I4172/000327 |
| Instrument | 153 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 30, 2028 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 12% |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| 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 | $2,427.00 (+22.45%) | $245,000 (+31.72%) Land $25,000 Building $220,000 | $245,000 (+31.72%) Land $25,000 Building $220,000 |
| 2023 | $1,982.00 | $186,000 Land $25,000 Building $161,000 | $186,000 Land $25,000 Building $161,000 |
13 Otter Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).
Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Low 20th percentile of exposed land nationally · 37th in Kentucky |
|---|---|
| Wildfire Likelihood | Low — about 1 in 10,000 per year |
| Exposure | Indirect within ember reach of burnable land · adjoins burnable vegetation |
Values are read at the parcel center point; lenders make the official flood determination.
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