Kenton County property record for 3301 Cottage Ave, #3, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,620 sqft · built 1925 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $190,000 (Oct 2022) |
| Tax Bill | $2,517 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Feb 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-02-006.00 |
| Primary APN | 056-12-02-006.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,620 sqft Finished Area |
| Gross Area | 1,746 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Metal |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 115 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3301 COTTAGE AVE, 3 |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SO COV LAND CO 2ND BLK 27 LOTS 1-2 |
| Legal Subdivision | SO COV LAND RESUB GREEN |
| Legal Phase | 27 |
| Legal Block | 27 |
| Legal Lot Number | 1-2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 61400 |
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 Record |
|---|---|
| Mailing Address | 3301 COTTAGE AVE, COVINGTON, KY 41015-1325 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2022 | Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Feb 24, 2017 | Warranty Deed, Transfer · Conventional with PMI HOMESERVICES LNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 12, 2022 · Amount on Record |
| Deed Sale | Oct 12, 2022 · Amount on Record |
| Prior Sale | Feb 24, 2017 |
| Deed Document Number | 2022103 |
| Deed Book / Page | 194 / 444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 12, 2022 |
| Property Address | 3301 COTTAGE AVE # 3, 3, COVINGTON, KY 41015-1325 |
| Document Number | 0005900103 |
| Book / Page | 194 / 444 |
| Instrument Date | Oct 7, 2022 |
| Instrument | 22101205900103 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8116 PLEASANT VALLEY RD, FLORENCE, KY 41042-8209 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3301 COTTAGE AVE, COVINGTON, KY 41015-1325 |
| Document Number | 0005900104 |
|---|---|
| Date | Oct 12, 2022 |
| Instrument | 22101205900104 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Number | 0005900055 |
|---|---|
| Date | Oct 28, 2022 |
| Book Page | KCM 417/460 |
| Instrument | 22102805900055 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Government Agency |
| Address | COVINGTON, KY 41011 |
| Amount | Amount Recorded |
|---|---|
| Term | 120 Months |
| Due | Oct 3, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 24, 2017 |
| Property Address | 3301 COTTAGE AVE # 3, 3, COVINGTON, KY 41015-1325 |
| Document Number | 0000000154 |
| Book / Page | 0C6103 / 000059 |
| Instrument Date | Feb 23, 2017 |
| Instrument | 154 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $109.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3301 COTTAGE AVE COVINGTON KY 410151325, COVINGTON, KY 41015-1325 |
| Document Number | 156 |
|---|---|
| Date | Feb 24, 2017 |
| Book Page | 0C6103/000062 |
| Instrument | 156 |
| Name | HOMESERVICES LNDG |
|---|---|
| Address | WEST DES MOINES, IA 50266 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 23, 2047 |
| Document Number | 157, |
|---|---|
| Date | Feb 24, 2017 |
| Book Page | 0C6103/000078 |
| Instrument | 157 |
| Name | KENTUCKY HSNG |
|---|---|
| Address | FRANKFORT, KY 40601 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Feb 23, 2022 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $190,000 (-) Land $10,000 Building $180,000 | $190,000 (-) Land $10,000 Building $180,000 | |
| 2025 | $2,517.00 (-0.51%) | $190,000 (-) Land $5,000 Building $185,000 | $190,000 (-) Land $5,000 Building $185,000 |
| 2023 | $2,530.00 | $190,000 Land $5,000 Building $185,000 | $190,000 Land $5,000 Building $185,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 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 42 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 |
| AT&T Fixed Wireless | 100 / 20 |
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