Kenton County property record for 3381 Klette Rd, Covington, KY 41015 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Lot Size | 217,800 sqft (5 acres) |
| Garage | Attached |
| Occupancy | Owner Occupied |
| Last Sale | $96,000 (2016) |
| Tax Bill | $5,205.00 (2025) |
| Primary APN | 060-00-00-041.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Stories |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Combination Exterior |
| Foundation Type | Concrete Foundation |
| Lot Area | 217,800 sqft (5 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Old Parcel Number | 0600000041.00 |
|---|---|
| Street Address | 3381 KLETTE RD |
| City | COVINGTON |
| State | KY |
| Zip | 41015-2460 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 5 ACS SWS KLETTE RD AT TAYLOR MILL RD |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 1 |
| Census Block | 1015 |
| Census Tract | 65800 |
Source: Kenton County records · APN 060-00-00-041.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3381 KLETTE RD, COVINGTON, KY 41015-2460 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 04, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Nov 04, 2025 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Dec 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) GUARDIAN SVGS BK |
| Jun 08, 2018 | Deed of Trust, Mortgage GUARDIAN SVGS BK |
| Aug 14, 2017 | Deed of Trust, Mortgage GUARDIAN SVGS BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 17, 2016 · Amount on Record |
| Deed Sale | Mar 17, 2016 · Amount on Record |
| Prior Sale | Aug 24, 2011 |
| Deed Doc Number | 0000372575 |
| Deed Book / Page | 3725 / 75 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3381 KLETTE RD, COVINGTON, KY 41015-2460 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2025 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|---|
| Address | 3381 KLETTE RD, INDEPENDENCE, KY 41051 |
| Document Number | 0005900107 |
|---|---|
| Date | Nov 04, 2025 |
| Book Page | KCM 703/561 |
| Instrument | 25110405900107 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Nov 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 13.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3381 KLETTE RD, COVINGTON, KY 41015-2460 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2025 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I |
| Name | Verified Name |
|---|---|
| Address | 3381 KLETTE RD, INDEPENDENCE, KY 41051 |
| Document Number | 0005900107 |
|---|---|
| Date | Nov 04, 2025 |
| Book Page | KCM 703/561 |
| Instrument | 25110405900107 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Nov 01, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Index | 1-Year CMT |
| Max Rate | 13.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3381 KLETTE RD, COVINGTON, KY 41015-2460 |
| Document Number | 0000000100 |
| Instrument Date | Dec 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3381 KLETTE RD COVINGTON KY 410152460, COVINGTON, KY 41015-2460 |
| Document Number | 0000000100 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 00M139/000438 |
| Instrument | 100 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 10, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3381 KLETTE RD, COVINGTON, KY 41015-2460 |
| Document Number | 0000000105 |
| Instrument Date | Jun 08, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 09, 2018 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3381 KLETTE RD INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 0000000105 |
|---|---|
| Date | Jun 14, 2018 |
| Book Page | 0I4119/000232 |
| Instrument | 105 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 13, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3381 KLETTE RD, COVINGTON, KY 41015-2460 |
| Document Number | 0000000024 |
| Book / Page | 0I3985 / 000077 |
| Instrument Date | Aug 14, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2017 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3381 KLETTE RD INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Number | 0000000024 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 0I3985/000077 |
| Instrument | 24 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank (FSB) |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 15, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,205.00 (-0.61%) | $447,600 (+7.86%) Land $100,000 Building $347,600 | $447,600 (+7.86%) Land $100,000 Building $347,600 |
| 2023 | $5,237.00 | $415,000 Land $96,000 Building $319,000 | $415,000 Land $96,000 Building $319,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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