Kenton County property record for 3305 Cottage Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 835 sqft · built 1910 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Oct 2023) |
| Tax Bill | $1,855 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-02-007.00 |
| Primary APN | 056-12-02-007.00 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 835 sqft Finished Area |
| Gross Area | 925 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3305 COTTAGE AVE |
|---|---|
| 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 LOT 3 |
| Legal Subdivision | SO COV LAND RESUB GREEN |
| Legal Phase | 27 |
| Legal Block | 27 |
| Legal Lot Number | 3 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3305 COTTAGE AVE, COVINGTON, KY 41015-1325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2023 | Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC |
| Aug 14, 2019 | Warranty Deed, Transfer · Conventional with PMI CARDINAL FIN'L |
| Feb 1, 2017 | Grant Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2023 · Amount on Record |
| Deed Sale | Oct 17, 2023 · Amount on Record |
| Prior Sale | Aug 14, 2019 · Amount on Record |
| Deed Document Number | 2023112 |
| Deed Book / Page | 252 / 409 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 17, 2023 |
| Property Address | 3305 COTTAGE AVE, COVINGTON, KY 41015-1325 |
| Document Number | 0005900112 |
| Book / Page | KC 252 / 409 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 23101705900112 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| 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 | 135 BELLEVIEW AVE, CHILLICOTHE, OH 45601-3217 |
| Name | Verified Name |
|---|---|
| Address | 3305 COTTAGE AVE, COVINGTON, KY 41015-1325 |
| Document Number | 0005900113 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 23101705900113 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 14, 2019 |
| Property Address | 3305 COTTAGE AVE, COVINGTON, KY 41015-1325 |
| Document Number | 0000000142 |
| Book / Page | 0C6730 / 000074 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 142 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2019 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $76.65 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3305 COTTAGE AVE COVINGTON KY 410151325, COVINGTON, KY 41015-1325 |
| Document Number | 143 |
|---|---|
| Date | Aug 14, 2019 |
| Book Page | 0C6730/000077 |
| Instrument | 143 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 13, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 1, 2017 |
| Property Address | 3305 COTTAGE AVE, COVINGTON, KY 41015-1325 |
| Document Number | 0000000135 |
| Book / Page | 0C6087 / 000128 |
| Instrument Date | Jan 20, 2017 |
| Instrument | 135 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2017 |
| Title Company | SOJOURNERS TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $64.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3305 COTTAGE AVE COVINGTON KY 410151325, COVINGTON, KY 41015-1325 |
| Document Number | 136 |
|---|---|
| Date | Feb 1, 2017 |
| Book Page | 0C6087/000132 |
| Instrument | 136 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 31, 2047 |
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 | $140,000 (-) Land $10,000 Building $130,000 | $140,000 (-) Land $10,000 Building $130,000 | |
| 2025 | $1,855.00 (+45.6%) | $140,000 (+46.29%) Land $5,000 Building $135,000 | $140,000 (+46.29%) Land $5,000 Building $135,000 |
| 2023 | $1,274.00 (+0.79%) | $95,700 (-) Land $5,000 Building $90,700 | $95,700 (-) Land $5,000 Building $90,700 |
| 2022 | $1,264.00 | $95,700 Land $5,000 Building $90,700 | $95,700 Land $5,000 Building $90,700 |
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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