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3175 Sugar Camp Rd, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3175 Sugar Camp Rd, Covington, KY 41017

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,936 sqft · built 2003
Lot Size0.85 acres (37,026 sqft)
Owner2 Individual Names on File
Last Sale$177,310 (Apr 2003)
Tax Bill$2,487 (2025)
Deeds & MortgagesOct 2021 Mortgage
Oct 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN059-20-01-296.00

Property Details

APN / Parcel Number

Primary APN059-20-01-296.00

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,936 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area37,026 sqft (0.85 acres)
Lot Dimensions250 ft deep x 150 ft wide
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric
SewerConnected

Location & Zoning

Street Address3175 SUGAR CAMP RD
CityCOVINGTON
StateKY
Zip41017-9560
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCLOVER RIDGE SEC 12 LOT 296
Legal SubdivisionCLOVER RIDGE
Legal Phase12
Legal Lot Number296
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group2
Census Block2017
Census Tract66801

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address3175 SUGAR CAMP RD, COVINGTON, KY 41017-9560
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 5, 2021Deed of Trust, Mortgage · VA Mortgage
LOWER LLC
Oct 26, 2017Deed of Trust, Mortgage · VA Mortgage
HOMESIDE FIN'L

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 3, 2003 · Amount on File
Deed SaleApr 3, 2003 · Amount on File
Deed Document Number200304 03 059 00059
Deed Book / Page910 / 38
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3175 SUGAR CAMP RD, COVINGTON, KY 41017-9560
Transaction TypeMortgage
Record UpdatedOct 22, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900136
DateOct 5, 2021
Book Page281/44
Instrument21100505900136
Lender
NameLOWER LLC
TypeMortgage Company
AddressCOLUMBIA, MD 21046
Agreement
TypeVA Mortgage
AmountAmount on Record
Term240 Months
DueOct 1, 2041

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3175 SUGAR CAMP RD, COVINGTON, KY 41017-9560
Document Number0000000113
Book / Page0I4029 / 000273
Instrument DateOct 26, 2017
Transaction TypeMortgage
Record UpdatedDec 11, 2017
Title CompanyMEYMAX TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3175 SUGAR CAMP RD COVINGTON KY 410179560, COVINGTON, KY 41017-9560

Mortgage

Document Number0000000113
DateNov 15, 2017
Book Page0I4029/000273
Instrument113
Lender
NameHOMESIDE FIN'L
AddressCOLUMBIA, MD 21044
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueNov 14, 2047

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$251,000 (-) Land $30,000 Building $221,000$251,000 (-) Land $30,000 Building $221,000
2025$2,487.00 (-7.03%)$251,000 (-) Land $30,000 Building $221,000$251,000 (-) Land $30,000 Building $221,000
2023$2,675.00$251,000 Land $30,000 Building $221,000$251,000 Land $30,000 Building $221,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
altafiber Network Solutions
Fiber		3,000 / 3,000
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

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