Kenton County property record for 3411 Clover Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,016 sqft · built 1996 |
| Lot Size | 0.569 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Mar 2020) |
| Tax Bill | $2,873 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Dec 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-00-00-003.75 |
| Primary APN | 059-00-00-003.75 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,016 sqft Finished Area |
| Gross Area | 3,416 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 24,829 sqft (0.569 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0590000003.75 |
|---|---|
| Street Address | 3411 CLOVER DR |
| City | COVINGTON |
| State | KY |
| Zip | 41015-4214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVER MEADOWS SEC 5 LOT 28 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Phase | 5 |
| Legal Lot Number | 28 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 65300 |
Source: Kenton County records · APN 059-00-00-003.75
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 | 3411 CLOVER DR, COVINGTON, KY 41015-4214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 16, 2024 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK |
| Mar 11, 2020 | Warranty Deed, Transfer · Conventional with PMI VICTORY MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 11, 2020 · Amount on Record |
| Deed Sale | Mar 11, 2020 · Amount on Record |
| Deed Document Number | 0000011440 |
| Deed Book / Page | 11 / 440 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3411 CLOVER DR, COVINGTON, KY 41015-4214 |
| Transaction Type | Mortgage |
| Record Updated | Feb 29, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3411 CLOVER DR, COVINGTON, KY 41015-4214 |
| Document Number | 0005900067 |
|---|---|
| Date | Feb 16, 2024 |
| Book Page | KCM 526/701 |
| Instrument | 24021605900067 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 05, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3411 CLOVER DR, COVINGTON, KY 41015-4214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0005900044 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 317/241 |
| Instrument | 21122705900044 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 11, 2020 |
| Property Address | 3411 CLOVER DR, COVINGTON, KY 41015-4214 |
| Document Number | 0000000261 |
| Book / Page | 000011 / 000440 |
| Instrument Date | Mar 05, 2020 |
| Instrument | 261 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2020 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3411 CLOVER DR COVINGTON KY 410154214, COVINGTON, KY 41015-4214 |
| Document Number | 0000000261 |
|---|---|
| Date | Mar 11, 2020 |
| Book Page | 000M18/000811 |
| Instrument | 261 |
| Name | VICTORY MTG |
|---|---|
| Type | Mortgage Company |
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 10, 2050 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington 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 | $2,873.00 (-7.05%) | $290,000 (-) Land $30,000 Building $260,000 | $290,000 (-) Land $30,000 Building $260,000 |
| 2023 | $3,091.00 | $290,000 Land $30,000 Building $260,000 | $290,000 Land $30,000 Building $260,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 127 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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