Kenton County property record for 3221 Mills Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,404 sqft · built 1966 |
| Lot Size | 1.11 acres (48,744 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $156,000 (Jul 2015) |
| Tax Bill | $2,570 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-00-00-028.06 |
| Primary APN | 060-00-00-028.06 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,404 sqft Finished Area |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 48,744 sqft (1.11 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3221 MILLS RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2480 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.119 ACS SOUTH SIDE MILLS RD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 65800 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3221 MILLS RD, COVINGTON, KY 41015-2480 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 8, 2015 · Amount on Record |
| Deed Sale | Jul 8, 2015 · Amount on Record |
| Prior Sale | Nov 23, 2005 · Amount on Record |
| Deed Document Number | 201507 08 059 00235 |
| Deed Book / Page | 3618 / 8 |
| Prior Transfer Date | Nov 7, 1995 |
| Prior Transfer Doc | 0005900302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3221 MILLS RD, COVINGTON, KY 41015-2480 |
| Transaction Type | Mortgage |
| Record Updated | Apr 15, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0005900117 |
|---|---|
| Date | Apr 6, 2021 |
| Book Page | 196/612 |
| Instrument | 21040605900117 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2036 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $221,000 (-) Land $35,000 Building $186,000 | $221,000 (-) Land $35,000 Building $186,000 | |
| 2025 | $2,570.00 (+13.52%) | $221,000 (+23.19%) Land $35,000 Building $186,000 | $221,000 (+23.19%) Land $35,000 Building $186,000 |
| 2023 | $2,264.00 | $179,400 Land $25,000 Building $154,400 | $179,400 Land $25,000 Building $154,400 |
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 | 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 15 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures