2588 Evergreen Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2588 Evergreen Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 854 sqft · built 1993
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,500 (Aug 2021)
Tax Bill	$1,937 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.75`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.75`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	854 sqft Finished Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2588 EVERGREEN DR
City	FT MITCHELL
State	KY
Zip	41017-9449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERLING'S ADDN TO RIDGEPORT SEC 10 LOT 49
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	10
Legal Lot Number	49
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3004
Census Tract	65300

Owner

Source: Kenton County records, as of October 21, 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 Record
Mailing Address	2588 EVERGREEN DR, FT MITCHELL, KY 41017-9449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 7, 2023	Deed of Trust, Mortgage · Line of Credit L&N FCU
Aug 26, 2021	Warranty Deed, Transfer · Conventional Mortgage L&N FCU
Jun 24, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SPRING VALLEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2021 · Amount on Record
Deed Sale	Aug 26, 2021 · Amount on Record
Prior Sale	Jun 24, 2021 · Amount on Record
Deed Document Number	20215900015
Deed Book / Page	113 / 610
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2588 EVERGREEN DR, COVINGTON, KY 41017-9449
Transaction Type	Mortgage
Record Updated	Mar 28, 2023
Title Company	BRIDGE TRUST TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900101
Date	Mar 7, 2023
Book Page	KCM 444/671
Instrument	23030705900101

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 6, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 26, 2021
Property Address	2588 EVERGREEN DR, COVINGTON, KY 41017-9449
Document Number	0005900015
Book / Page	113 / 610
Map Reference	PL A-34
Instrument Date	Aug 19, 2021
Instrument	21082605900015
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2588 EVERGREEN DR, 2588, COVINGTON, KY 41017-9449

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	2588 EVERGREEN DR, COVINGTON, KY 41017-9449

Mortgage

Document Number	0005900016
Date	Aug 26, 2021
Book Page	262/551
Instrument	21082605900016

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2036
Change Frequency	Monthly
Min Rate At Change	4%
Max Rate At Change	10%
Index	10-Year TN
Max Rate	10%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 24, 2021
Property Address	2588 EVERGREEN DR, COVINGTON, KY 41017-9449
Document Number	0005900062
Book / Page	99 / 883
Map Reference	PL A-34
Instrument Date	Jun 14, 2021
Instrument	21062405900062
Transaction Type	Transfer
Record Updated	Jul 5, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1804 BORDEAUX BLVDI, 1804, BURLINGTON, KY 41005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5059 HATWE TRAL, CINCINNATI, OH 45244
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900067
Date	Jul 2, 2021
Book Page	238/24
Instrument	21070205900067

Lender

Name	SPRING VALLEY BANK
Type	Bank
Address	CINCINNATI, OH 45215

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Oct 1, 2022

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$195,500 (-) Land $20,000 Building $175,500	$195,500 (-) Land $20,000 Building $175,500
2025	$1,937.00 (-7.05%)	$195,500 (-) Land $10,000 Building $185,500	$195,500 (-) Land $10,000 Building $185,500
2023	$2,084.00	$195,500 Land $10,000 Building $185,500	$195,500 Land $10,000 Building $185,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 417 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

May also be available: T-Mobile.

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