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

Kenton County property record for 20 Bluffside Dr, Covington, KY 41017 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 1978
Square Footage864 sqft Finished Area
Lot Size9,148 sqft (0.21 acres)
OccupancyOwner Occupied
Last Sale$205,000 (2022)
Tax Bill$2,031.00 (2025)

Property Details

APN / Parcel Number

Primary APN045-30-00-074.00

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area864 sqft Finished Area

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleBi-Level Style
Exterior MaterialAluminum/Vinyl Exterior
Roof MaterialComposition Shingle Roof
Lot Area9,148 sqft (0.21 acres)
Depth X Width140 ft x 52 ft Depth x Width
Parking Spaces1 Parking Spaces
Garage TypeBasement 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 Address20 BLUFFSIDE DR
CityCOVINGTON
StateKY
Zip41017-9732
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLAKEWOOD HILLS SEC 5 LOT 311
Legal SubdivisionLAKEWOOD HILLS
Legal Phase5
Legal Lot Number311
JurisdictionKENTON KY
Minor Civil DivisionINDEPENDENCE
Census Blockgroup1
Census Block1017
Census Tract66801

Owner

Source: Kenton County records · APN 045-30-00-074.00

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

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

Owner of Record2 Individual Names on File
Mailing Address20 BLUFFSIDE DR, COVINGTON, KY 41017-9732
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 03, 2022Deed of Trust, Mortgage · Second Mortgage to Cover Down Payment
THE HOME LOAN EXPERT LLC
Jan 03, 2022Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
THE HOME LOAN EXPERT LLC
Dec 01, 2020Warranty Deed, Transfer · Conventional Mortgage
KENTUCKY HSNG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 03, 2022 · Amount on Record
Deed SaleJan 03, 2022 · Amount on Record
Prior SaleDec 01, 2020 · Amount on Record
Deed Doc Number20225900078
Deed Book / Page139 / 677
Record RefreshedSep 20, 2026

January 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address20 BLUFFSIDE DR, COVINGTON, KY 41017-9732
Transaction TypeMortgage
Record UpdatedJan 05, 2024
Title CompanyLAWYERS TITLE/CINCINNATI INC, LAWYERS TTL OF CINCINNATI IN

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900080
DateJan 03, 2022
Book Page319/942
Instrument22010305900080
Lender
NameTHE HOME LOAN EXPERT LLC
TypeMortgage Company
AddressSAINT LOUIS, MO 63144
Agreement
TypeSecond Mortgage to Cover Down Payment
AmountAmount Recorded
Term360 Months
DueJan 01, 2052

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 03, 2022
Property Address20 BLUFFSIDE DR, COVINGTON, KY 41017-9732
Document Number0005900078
Book / Page139 / 677
Map ReferenceMB 20 PG 9 SL B-499
Instrument DateDec 15, 2021
Instrument22010305900078
Transaction TypeTransfer
Record UpdatedApr 03, 2026
Title CompanyLAWYERS TITLE OF CINCINNATI

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$205.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address11365 WILSON RD, INDEPENDENCE, KY 41051-7203

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight Of Survivorship
Address20 BLUFFSIDE DR, COVINGTON, KY 41017-9732

Mortgage

Document Number0005900079
DateJan 03, 2022
Instrument22010305900079
Lender
NameTHE HOME LOAN EXPERT LLC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2052

Mortgage

Document Number0005900080
DateJan 03, 2022
Book Page319/942
Instrument22010305900080
Lender
NameTHE HOME LOAN EXPERT LLC
TypeMortgage Company
AddressSAINT LOUIS, MO 63144
Agreement
TypeSecond Mortgage to Cover Down Payment
AmountAmount Recorded
Term360 Months
DueJan 01, 2052

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateDec 01, 2020
Property Address20 BLUFFSIDE DR, COVINGTON, KY 41017-9732
Document Number0000000262
Book / Page000058 / 000526
Instrument DateNov 20, 2020
Instrument262
Transaction TypeTransfer
Record UpdatedDec 30, 2020
Title CompanySPRINGDALE TITLE LLC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$155.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address20 BLUFFSIDE DR COVINGTON KY 410179732, COVINGTON, KY 41017-9732

Mortgage

Document Number264
DateDec 01, 2020
Book Page00M133/000502
Instrument264
Lender
NameKENTUCKY HSNG
AddressFRANKFORT, KY 40601
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueNov 30, 2030

Mortgage

Document Number263,
DateDec 01, 2020
Book Page00M133/000487
Instrument263
Lender
NameAMERICAN MTG SVC
TypeMortgage Company
AddressCINCINNATI, OH 45246
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueNov 30, 2050

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 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$2,031.00 (-7.05%)$205,000 (-) Land $10,000 Building $195,000$205,000 (-) Land $10,000 Building $195,000
2023$2,185.00$205,000 Land $10,000 Building $195,000$205,000 Land $10,000 Building $195,000

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