Kenton County property record for 2975 Sugar Camp Rd, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,704 sqft · built 1970 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $1,495 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Oct 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-40-00-154.00 |
| Primary APN | 045-40-00-154.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 3 Stories |
| Building Area | 1,704 sqft Finished Area |
| Gross Area | 1,893 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Lot Dimensions | 217 ft deep x 280 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 2975 SUGAR CAMP RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1 AC M,L ON SUGAR CAMP 280X217.8 IRREG |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 66801 |
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 Company Names on Record |
|---|---|
| Mailing Address | 2975 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| May 24, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Oct 11, 2019 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Mar 13, 2019 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jan 29, 2025 |
| Transfer Doc | 0000000070 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2975 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2975 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Document Number | 0005900272 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 219/63 |
| Instrument | 21052405900272 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2975 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Document Number | 0000000185 |
| Instrument Date | Oct 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2975 SUGAR CAMP RD COVINGTON KY 410179564, COVINGTON, KY 41017-9564 |
| Document Number | 0000000185 |
|---|---|
| Date | Nov 1, 2019 |
| Book Page | 0I4356/000141 |
| Instrument | 185 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2975 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Document Number | 0000000119 |
| Instrument Date | Mar 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2975 SUGAR CAMP RD COVINGTON KY 410179564, COVINGTON, KY 41017-9564 |
| Document Number | 0000000119 |
|---|---|
| Date | Mar 28, 2019 |
| Book Page | 0I4243/000070 |
| Instrument | 119 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 27, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2026 | $239,000 (+19.5%) Land $25,000 Building $214,000 | $239,000 (+19.5%) Land $25,000 Building $214,000 | |
| 2025 | $1,495.00 (-8.67%) Homeowner's exemption | $200,000 (-) Land $15,000 Building $185,000 | $200,000 (-) Land $15,000 Building $185,000 |
| 2023 | $1,637.00 Homeowner's exemption | $200,000 Land $15,000 Building $185,000 | $200,000 Land $15,000 Building $185,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 188 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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