Kenton County property record for 2995 Sugar Camp Rd, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,235 sqft · built 1956 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Sep 2019) |
| Tax Bill | $1,858 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Sep 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-40-00-152.00 |
| Primary APN | 045-40-00-152.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,235 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2995 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 SUGAR CAMP RD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 66801 |
2995 Sugar Camp Rd is owned and occupied by an individual who bought it in September 2019.
Source: Kenton County records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2995 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH CREDIT UNION |
| Sep 5, 2019 | Warranty Deed, Transfer · Conventional with PMI REPUBLIC ST MTG |
| May 23, 2019 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| Nov 8, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 5, 2019 · Amount on File |
| Deed Sale | Sep 5, 2019 · Amount on File |
| Prior Sale | Jul 6, 1998 · Amount on File |
| Deed Document Number | 201909 05 059 00040 |
| Deed Book / Page | 4322 / 268 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2995 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000002007 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 729/936 |
| Instrument | 26059000002007 |
| Name | COMMONWEALTH CREDIT UNION |
|---|---|
| Type | Credit Union |
| Address | FRANKFORT, KY 40602 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 5, 2019 |
| Property Address | 2995 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Document Number | 0000000040 |
| Book / Page | 0I4322 / 000268 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 40 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2019 |
| Title Company | AMERICAN HOMELAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2995 SUGAR CAMP RD COVINGTON KY 410179564, COVINGTON, KY 41017-9564 |
| Document Number | 41 |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 0I4322/000271 |
| Instrument | 41 |
| Name | REPUBLIC ST MTG |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77006 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 4, 2049 |
| Document Number | 42, |
|---|---|
| Date | Sep 5, 2019 |
| Book Page | 0I4322/000287 |
| Instrument | 42 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Sep 4, 2029 |
| Rate | 12% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2995 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Document Number | 0000000157 |
| Instrument Date | May 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 19, 2019 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2995 SUGAR CAMP RD COVINGTON KY 410179564, COVINGTON, KY 41017-9564 |
| Document Number | 0000000157 |
|---|---|
| Date | Jul 2, 2019 |
| Book Page | 0I4286/000117 |
| Instrument | 157 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 2995 SUGAR CAMP RD, COVINGTON, KY 41017-9564 |
| Document Number | 0000000139 |
| Instrument Date | Nov 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Title Company | FIRST AMERICAN TITLE INC COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2995 SUGAR CAMP RD COVINGTON KY 410179564, COVINGTON, KY 41017-9564 |
| Document Number | 0000000139 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 0I4042/000295 |
| Instrument | 139 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 14, 2047 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 2995 Sugar Camp Rd was $1,858.
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 | $187,500 (-) Land $25,000 Building $162,500 | $187,500 (-) Land $25,000 Building $162,500 | |
| 2025 | $1,858.00 | $187,500 Land $15,000 Building $172,500 | $187,500 Land $15,000 Building $172,500 |
| 2023 | $1,998.00 | $187,500 Land $15,000 Building $172,500 | $187,500 Land $15,000 Building $172,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2995 Sugar Camp Rd in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 2995 Sugar Camp Rd is low, with a 0.01% annual chance of 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 | 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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