Kenton County property record for 3225 Sugar Camp Rd, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 4,297 sqft · built 2004 |
| Lot Size | 3.91 acres (170,494 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $790,671 (Mar 2005) |
| Tax Bill | $11,297 (2025) |
| Deeds & Mortgages | Jul 2022 Transfer Sep 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-20-00-090.04 |
| Primary APN | 059-20-00-090.04 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,297 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Lot Area | 170,494 sqft (3.91 acres) |
| Garage Type | Basement |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3225 SUGAR CAMP RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-9503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3.914 AC SS SUGAR CAMP RD APPROX 0.08 MI N OF SENOUR RD INC 0.763 AC LAND ADD LESS 0.168 ACS |
| Legal Subdivision | LAND ADD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 66801 |
3225 Sugar Camp Rd is owned and occupied by two individuals who acquired it in July 2022.
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3225 SUGAR CAMP RD, COVINGTON, KY 41017-9503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2022 | Intrafamily Transfer, Transfer |
| Sep 25, 2017 | Deed of Trust, Mortgage · Line of Credit REPUBLIC BK&TR |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2005 · Amount on File |
| Deed Sale | Mar 16, 2005 · Amount on File |
| Prior Sale | Nov 25, 2003 · Amount on File |
| Deed Document Number | 200503 16 059 00094 |
| Deed Book / Page | 1560 / 110 |
| Last Transfer Date | Jul 11, 2022 |
| Transfer Doc | 0005900243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 14, 2022 |
| Property Address | 3225 SUGAR CAMP RD, COVINGTON, KY 41017-9503 |
| Document Number | 0005900243 |
| Book / Page | 177 / 95 |
| Instrument Date | Jul 11, 2022 |
| Instrument | 22071405900243 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3225 SUGAR CAMP RD, COVINGTON, KY 41017-9503 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3225 SUGAR CAMP RD, COVINGTON, KY 41017-9503 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3225 SUGAR CAMP RD # 3235, 3235, COVINGTON, KY 41017-9503 |
| Document Number | 0000000093 |
| Book / Page | 004012 / 000340 |
| Instrument Date | Sep 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2017 |
| Title Company | EXCEL TITLE SERVICES INC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3225 SUGAR CAMP RD COVINGTON KY 410179503, COVINGTON, KY 41017-9503 |
| Document Number | 0000000093 |
|---|---|
| Date | Oct 12, 2017 |
| Book Page | I 4012/000340 |
| Instrument | 93 |
| Name | REPUBLIC BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 11, 2027 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 3225 Sugar Camp Rd was $11,297.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,140,000 (-) Land $150,000 Building $990,000 | $1,140,000 (-) Land $150,000 Building $990,000 | |
| 2025 | $11,297.00 | $1,140,000 Land $150,000 Building $990,000 | $1,140,000 Land $150,000 Building $990,000 |
| 2023 | $12,152.00 | $1,140,000 Land $150,000 Building $990,000 | $1,140,000 Land $150,000 Building $990,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3225 Sugar Camp Rd 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 | 1 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 3225 Sugar Camp Rd 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 | 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 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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