Kenton County property record for 3138 Clifford Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,077 sqft · built 1921 |
| Lot Size | 0.116 acres (5,063 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Jul 2008) |
| Tax Bill | $1,971 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-13-02-143.00 |
| Primary APN | 056-13-02-143.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,077 sqft Finished Area |
| Gross Area | 1,461 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 5,063 sqft (0.116 acres) |
| Lot Dimensions | 135 ft deep x 37.5 ft wide |
| Garage Type | Detached |
| Garage Area | 206 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3138 CLIFFORD AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEVIEW PARK LOT 54A 37.50'X 135' ES CLIFFORD AVE |
| Legal Subdivision | LAKEVIEW PARK |
| Legal Lot Number | 54A |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 61400 |
3138 Clifford Ave is owned and occupied by an individual who bought it in July 2008.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3138 CLIFFORD AVE, COVINGTON, KY 41015-1002 |
| 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 |
|---|---|
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA |
| Oct 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2008 · Amount on File |
| Deed Sale | Jul 22, 2008 · Amount on File |
| Prior Sale | Jul 27, 1998 · Amount on File |
| Deed Document Number | 200807 22 059 00218 |
| Deed Book / Page | 3776 / 86 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3138 CLIFFORD AVE, COVINGTON, KY 41015-1002 |
| Document Number | 0000000017 |
| Instrument Date | Oct 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3138 CLIFFORD AVE COVINGTON KY 410151002, COVINGTON, KY 41015-1002 |
| Document Number | 0000000017 |
|---|---|
| Date | Nov 9, 2020 |
| Book Page | 00M122/000671 |
| Instrument | 17 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 8, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3138 CLIFFORD AVE, COVINGTON, KY 41015-1002 |
| Document Number | 0000000003 |
| Instrument Date | Oct 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3138 CLIFFORD AVE COVINGTON KY 410151002, COVINGTON, KY 41015-1002 |
| Document Number | 0000000003 |
|---|---|
| Date | Nov 19, 2020 |
| Book Page | 00M128/000956 |
| Instrument | 3 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 18, 2050 |
The 2025 property tax bill for 3138 Clifford Ave was $1,971.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $148,800 (-) Land $10,000 Building $138,800 | $148,800 (-) Land $10,000 Building $138,800 | |
| 2025 | $1,971.00 | $148,800 Land $5,000 Building $143,800 | $148,800 Land $5,000 Building $143,800 |
| 2023 | $1,982.00 | $148,800 Land $5,000 Building $143,800 | $148,800 Land $5,000 Building $143,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3138 Clifford Ave in Zone X, an area of minimal flood risk.
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.
The area around 3138 Clifford Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 691 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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