Kenton County property record for 3302 Cottage Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,068 sqft · built 1925 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Jan 2022) |
| Tax Bill | $1,788 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-03-008.00 |
| Primary APN | 056-12-03-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,068 sqft Finished Area |
| Gross Area | 1,458 sqft |
| Year Built | Built 1925 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Lot Dimensions | 115 ft deep x 25 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0561203008.00 |
|---|---|
| Street Address | 3302 COTTAGE AVE |
| City | COVINGTON |
| State | KY |
| Zip | 41015-1326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GREEN PHIL E BLK 22 LOT 1 |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 22 |
| Legal Block | 22 |
| Legal Lot Number | 1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 61400 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 3302 COTTAGE AVE, COVINGTON, KY 41015-1326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Aug 2, 2017 | Warranty Deed, Transfer · FHA Mortgage GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 25, 2022 · Amount on Record |
| Deed Sale | Jan 25, 2022 · Amount on Record |
| Prior Sale | Aug 2, 2017 · Amount on Record |
| Deed Document Number | 0000144642 |
| Deed Book / Page | 144 / 642 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 25, 2022 |
| Property Address | 3302 COTTAGE AVE, COVINGTON, KY 41015-1326 |
| Document Number | 0005900086 |
| Book / Page | 144 / 642 |
| Instrument Date | Jan 21, 2022 |
| Instrument | 22012505900086 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 340 HUNTERS RDG, WARSAW, KY 41095-9445 |
| Name | Verified Name |
|---|---|
| Address | 3302 COTTAGE AVE, COVINGTON, KY 41015-1326 |
| Document Number | 0005900087 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | 22012505900087 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 2, 2017 |
| Property Address | 3302 COTTAGE AVE, COVINGTON, KY 41015-1326 |
| Document Number | 0000000167 |
| Book / Page | 006216 / 000228 |
| Instrument Date | Jul 20, 2017 |
| Instrument | 167 |
| Transaction Type | Transfer |
| Record Updated | Aug 17, 2017 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $96.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3302 COTTAGE AVE COVINGTON KY 410151326, COVINGTON, KY 41015-1326 |
| Document Number | 168 |
|---|---|
| Date | Aug 2, 2017 |
| Book Page | ORC621/000231 |
| Instrument | 168 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2047 |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $1,788.00 (-0.56%) | $135,000 (-) Land $5,000 Building $130,000 | $135,000 (-) Land $5,000 Building $130,000 |
| 2023 | $1,798.00 | $135,000 Land $5,000 Building $130,000 | $135,000 Land $5,000 Building $130,000 |
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 |
|---|---|
| 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures