Kenton County property record for 3168 Windermere Hill, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · built 2020 |
| Owner | 2 Individual Names on Record |
| Last Sale | $447,818 (Sep 2020) |
| Tax Bill | $5,207 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-00-01-106.00 |
| Primary APN | 061-00-01-106.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3168 WINDERMERE HL |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MANOR HILL SEC 12 LOT 106 |
| Legal Subdivision | MANOR HILL |
| Legal Phase | 12 |
| Legal Lot Number | 106 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 65800 |
Source: Kenton County records, as of November 27, 2025
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 | 3168 WINDERMERE HL, COVINGTON, KY 41015-9534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 7, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Aug 31, 2020 | Deed of Trust, Mortgage FIRST EQUITY MTG INC |
| Apr 15, 2020 | Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Dec 12, 2019 | Deed of Trust, Mortgage · Line of Credit HERITAGE BK |
| Sep 3, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST EQUITY MTG INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2020 · Amount on Record |
| Deed Sale | Sep 3, 2020 · Amount on Record |
| Prior Sale | Apr 15, 2020 · Amount on Record |
| Deed Document Number | 0000041388 |
| Deed Book / Page | 41 / 388 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3168 WINDERMERE HL, COVINGTON, KY 41015-9534 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900058 |
|---|---|
| Date | Sep 7, 2021 |
| Book Page | 268/635 |
| Instrument | 21090705900058 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3168 WINDERMERE HL, COVINGTON, KY 41015-9534 |
| Document Number | 0000000084 |
| Instrument Date | Aug 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3168 WINDERMERE HL INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 0000000084 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 000M93/000198 |
| Instrument | 84 |
| Name | FIRST EQUITY MTG INC |
|---|---|
| Address | FORT MITCHELL, KY 41017 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Sep 2, 2035 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 15, 2020 |
| Property Address | 3168 WINDERMERE HL, COVINGTON, KY 41015-9534 |
| Document Number | 0000000100 |
| Book / Page | 000016 / 000913 |
| Instrument Date | Mar 18, 2020 |
| Instrument | 100 |
| Transaction Type | Transfer |
| Record Updated | Jun 12, 2020 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $41.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 211 GRANDVIEW DR FORT MITCHELL KY 410172759, FORT MITCHELL, KY 41017-2759 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3168 WINDERMERE HL, COVINGTON, KY 41015-9534 |
| 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 Recorded |
| Term | 24 Months |
| Due | Dec 26, 2021 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 3, 2020 |
| Property Address | 3168 WINDERMERE HL, COVINGTON, KY 41015-9534 |
| Document Number | 0000000084 |
| Book / Page | 000041 / 000388 |
| Instrument Date | Jul 15, 2019 |
| Instrument | 84 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 8, 2020 |
| Title Company | TERRY MONNIE TITLE COMPANY, TERRY MONNIE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $448.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3168 WINDERMERE HL INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 0000000084 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 000M93/000198 |
| Instrument | 84 |
| Name | FIRST EQUITY MTG INC |
|---|---|
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 2, 2035 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $5,207.00 (-7.86%) | $447,800 (-) Land $65,000 Building $382,800 | $447,800 (-) Land $65,000 Building $382,800 |
| 2023 | $5,651.00 | $447,800 Land $40,500 Building $407,300 | $447,800 Land $40,500 Building $407,300 |
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 | 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.
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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