2596 Evergreen Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 2596 Evergreen Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 924 sqft · built 1993
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$179,000 (Jul 2020)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-00-002.77`

Property Details

APN / Parcel Number

Primary APN	`045-30-00-002.77`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	924 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	6,534 sqft (0.15 acres)
Garage Type	Attached
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	2596 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 51
Legal Subdivision	BERLINGS ADDN TO RIDGEPORT
Legal Phase	10
Legal Lot Number	51
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 20, 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	2596 EVERGREEN DR, FT MITCHELL, KY 41017-9449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK
Jul 13, 2020	Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2020 · Amount on Record
Deed Sale	Jul 17, 2020 · Amount on Record
Prior Sale	Jan 3, 2008 · Amount on Record
Deed Document Number	20205900175
Deed Book / Page	32 / 573
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 17, 2020
Property Address	2596 EVERGREEN DR, COVINGTON, KY 41017-9449
Document Number	0000000175
Book / Page	000032 / 000573
Instrument Date	Jul 13, 2020
Instrument	175
Transaction Type	Transfer
Record Updated	Sep 1, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9234 HAWKSRIDGE DR COVINGTON KY 410179135, COVINGTON, KY 41017-9135

Mortgage

Document Number	176
Date	Jul 17, 2020
Book Page	000M70/000925
Instrument	176

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	2596 EVERGREEN DR, COVINGTON, KY 41017-9449
Document Number	0000000176
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2596 EVERGREEN DR COVINGTON KY 410179449, COVINGTON, KY 41017-9449

Mortgage

Document Number	0000000176
Date	Jul 17, 2020
Book Page	000M70/000925
Instrument	176

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 16, 2050

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		$179,000 (-) Land $20,000 Building $159,000	$179,000 (-) Land $20,000 Building $159,000
2025	$1,773.00 (-7.08%)	$179,000 (-) Land $10,000 Building $169,000	$179,000 (-) Land $10,000 Building $169,000
2023	$1,908.00	$179,000 Land $10,000 Building $169,000	$179,000 Land $10,000 Building $169,000

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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