Kenton County property record for 3420 Clover Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,858 sqft · built 1996 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $207,500 (Mar 2019) |
| Tax Bill | $2,569 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-00-00-003.77 |
| Primary APN | 059-00-00-003.77 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,858 sqft Finished Area |
| Gross Area | 2,304 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 23,958 sqft (0.55 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3420 CLOVER DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVER MEADOWS SEC 5 LOT 30 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Phase | 5 |
| Legal Lot Number | 30 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 65300 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3420 CLOVER DR, COVINGTON, KY 41015-4211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 8, 2020 | Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS |
| Mar 11, 2019 | Grant Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Jan 23, 2018 | Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2019 · Amount on Record |
| Deed Sale | Mar 11, 2019 · Amount on Record |
| Prior Sale | Mar 4, 1997 · Amount on Record |
| Deed Document Number | 201903 11 059 00039 |
| Deed Book / Page | 4234 / 238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3420 CLOVER DR, COVINGTON, KY 41015-4211 |
| Document Number | 0000000165 |
| Instrument Date | May 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 3420 CLOVER DR COVINGTON KY 410154211, COVINGTON, KY 41015-4211 |
| Document Number | 0000000165 |
|---|---|
| Date | May 15, 2020 |
| Book Page | 000M44/000899 |
| Instrument | 165 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 14, 2040 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 11, 2019 |
| Property Address | 3420 CLOVER DR, COVINGTON, KY 41015-4211 |
| Document Number | 0000000039 |
| Book / Page | 0I4234 / 000238 |
| Instrument Date | Mar 8, 2019 |
| Instrument | 39 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3420 CLOVER DR COVINGTON KY 410154211, COVINGTON, KY 41015-4211 |
| Document Number | 40 |
|---|---|
| Date | Mar 11, 2019 |
| Book Page | 0I4234/000241 |
| Instrument | 40 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 10, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3420 CLOVER DR, COVINGTON, KY 41015-4211 |
| Document Number | 0000000052 |
| Instrument Date | Jan 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2018 |
| Name | Verified Name |
|---|---|
| Address | 230 E 45TH ST COVINGTON KY 410151955, COVINGTON, KY 41015-1955 |
| Document Number | 0000000052 |
|---|---|
| Date | May 9, 2018 |
| Book Page | 0C6407/000251 |
| Instrument | 52 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2048 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $306,400 (+18.16%) Land $35,000 Building $271,400 | $306,400 (+18.16%) Land $35,000 Building $271,400 | |
| 2025 | $2,569.00 (-7.05%) | $259,300 (-) Land $30,000 Building $229,300 | $259,300 (-) Land $30,000 Building $229,300 |
| 2023 | $2,764.00 | $259,300 Land $30,000 Building $229,300 | $259,300 Land $30,000 Building $229,300 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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 127 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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