Kenton County property record for 3163 Windermere Hill, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2021 |
| Lot Size | 0.238 acres (10,399 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $368,874 (May 2021) |
| Tax Bill | $4,465 (2025) |
| Deeds & Mortgages | May 2021 Sale & Mortgage Nov 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-01-006.00 |
| Primary APN | 061-00-01-006.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 10,399 sqft (0.238 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3163 WINDERMERE HL |
|---|---|
| City | LATONIA |
| State | KY |
| Zip | 41015-9555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANOR HILL SEC 12 LOT 6 |
| Legal Subdivision | MANOR HILL |
| Legal Phase | 12 |
| Legal Lot Number | 6 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 65800 |
3163 Windermere Hill is owned and occupied by two individuals who bought it in May 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3163 WINDERMERE HL, LATONIA, KY 41015-9555 |
| 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 |
|---|---|
| May 19, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST EQUITY MORTGAGE INC |
| Nov 4, 2020 | Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Dec 12, 2019 | Deed of Trust, Mortgage · Line of Credit HERITAGE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2021 · Amount on File |
| Deed Sale | May 19, 2021 · Amount on File |
| Prior Sale | Nov 4, 2020 · Amount on File |
| Deed Document Number | 20215900059 |
| Deed Book / Page | 91 / 346 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 19, 2021 |
| Property Address | 3163 WINDERMERE HL, COVINGTON, KY 41015-9555 |
| Document Number | 0005900059 |
| Book / Page | 91 / 346 |
| Map Reference | SL A-1125 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 21051905900059 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 211 GRANDVIEW DR, FORT MITCHELL, KY 41017-2759 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3163 WINDERMERE HILL, INDEPENDENCE, KY 41051 |
| Document Number | 0005900060 |
|---|---|
| Date | May 19, 2021 |
| Instrument | 21051905900060 |
| Name | FIRST EQUITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 4, 2020 |
| Property Address | 3163 WINDERMERE HL, COVINGTON, KY 41015-9555 |
| Document Number | 0000000038 |
| Book / Page | 000053 / 000021 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 38 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2020 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2807 AMSTERDAM RD VILLA HILLS KY 410174405, VILLA HILLS, KY 41017-4405 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3163 WINDERMERE HL, COVINGTON, KY 41015-9555 |
| Document Number | 0000000356 |
| Instrument Date | Dec 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2020 |
| Title Company | NOT AVAILABLE |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2807 AMSTERDAM RD VILLA HILLS KY 410174405, VILLA HILLS, KY 41017-4405 |
| Document Number | 0000000356 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 0I4387/000029 |
| Instrument | 356 |
| Name | HERITAGE BK |
|---|---|
| Type | Bank |
| Address | BURLINGTON, KY 41005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 24 Months |
| Due | Dec 26, 2021 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3163 Windermere Hill was $4,465.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $384,000 (-) Land $65,000 Building $319,000 | $384,000 (-) Land $65,000 Building $319,000 | |
| 2025 | $4,465.00 | $384,000 Land $65,000 Building $319,000 | $384,000 Land $65,000 Building $319,000 |
| 2023 | $4,654.00 | $368,800 Land $39,500 Building $329,300 | $368,800 Land $39,500 Building $329,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3163 Windermere Hill 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 | 2 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 3163 Windermere Hill 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 | 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.
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 67 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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