Kenton County property record for 3322 Cottage Ave, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,136 sqft · built 1927 |
| Lot Size | 0.1 acres (4,370 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Dec 2020) |
| Tax Bill | $1,855 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Dec 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-12-03-002.00 |
| Primary APN | 056-12-03-002.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,136 sqft Finished Area |
| Gross Area | 1,248 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 4,370 sqft (0.1 acres) |
| Lot Dimensions | 115 ft deep x 38 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3322 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 11 38'X 115' ES COTTAGE 250' S 33RD |
| Legal Subdivision | GREEN PHIL E |
| Legal Phase | 22 |
| Legal Block | 22 |
| Legal Lot Number | 11 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 61400 |
3322 Cottage Ave is owned and occupied by an individual who bought it in December 2020.
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 | Individual Name on File |
|---|---|
| Mailing Address | 3322 COTTAGE AVE, COVINGTON, KY 41015-1326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2021 | Deed of Trust, Mortgage CITY OF COVINGTON |
| Dec 22, 2020 | Warranty Deed, Transfer · FHA Mortgage POLARIS HM FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on File |
| Deed Sale | Dec 22, 2020 · Amount on File |
| Deed Document Number | 20205900013 |
| Deed Book / Page | 62 / 122 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3322 COTTAGE AVE, COVINGTON, KY 41015-1326 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900174 |
|---|---|
| Date | Feb 4, 2021 |
| Book Page | 163/542 |
| Instrument | 21020405900174 |
| Name | CITY OF COVINGTON |
|---|---|
| Type | Non-Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 58 Months |
| Due | Dec 16, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 22, 2020 |
| Property Address | 3322 COTTAGE AVE, COVINGTON, KY 41015-1326 |
| Document Number | 0000000013 |
| Book / Page | 000062 / 000122 |
| Instrument Date | Dec 17, 2020 |
| Instrument | 13 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2021 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $140.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3322 COTTAGE AVE COVINGTON KY 410151326, COVINGTON, KY 41015-1326 |
| Document Number | 14 |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | 00M144/000451 |
| Instrument | 14 |
| Name | POLARIS HM FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Number | 174, |
|---|---|
| Date | Dec 22, 2020 |
| Book Page | KCM163/000543 |
| Instrument | 174 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY 41011 |
| Amount | Amount on Record |
|---|
The 2025 property tax bill for 3322 Cottage Ave was $1,855.
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 | $140,000 Land $5,000 Building $135,000 | $140,000 Land $5,000 Building $135,000 |
| 2023 | $1,864.00 | $140,000 Land $5,000 Building $135,000 | $140,000 Land $5,000 Building $135,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3322 Cottage Ave in Zone X, an area of minimal flood risk.
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.
The area around 3322 Cottage Ave has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 691 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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