Kenton County property record for 3423 Clover Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,642 sqft · built 1996 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $254,500 (Aug 2018) |
| Tax Bill | $2,901 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Mar 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-00-00-003.72 |
| Primary APN | 059-00-00-003.72 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,642 sqft Finished Area |
| Gross Area | 2,874 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3423 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 25 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Phase | 5 |
| Legal Lot Number | 25 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 65300 |
Source: Kenton County records, as of December 31, 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 Record |
|---|---|
| Mailing Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC |
| Mar 25, 2024 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC |
| Jul 6, 2022 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC |
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC |
| Aug 21, 2018 | Warranty Deed, Transfer · Conventional with PMI FIRST EQUITY MTG INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2018 · Amount on Record |
| Deed Sale | Aug 21, 2018 · Amount on Record |
| Prior Sale | Nov 4, 1996 · Amount on Record |
| Deed Document Number | 201808 21 059 00051 |
| Deed Book / Page | 4151 / 202 |
| Prior Transfer Date | Apr 21, 2009 |
| Prior Transfer Doc | 0005900140 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Document Number | 0005900055 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | KCM 717/500 |
| Instrument | 25121705900055 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Dec 25, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Transaction Type | Mortgage |
| Record Updated | Apr 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Document Number | 0005900075 |
|---|---|
| Date | Mar 25, 2024 |
| Book Page | KCM 535/157 |
| Instrument | 24032505900075 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3423 CLOVER DR, ABERDEEN, OH 45101 |
| Document Number | 0005900079 |
|---|---|
| Date | Jul 6, 2022 |
| Book Page | 385/717 |
| Instrument | 22070605900079 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 298 Months |
| Due | May 25, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900154 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 270/446 |
| Instrument | 21091305900154 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 21, 2018 |
| Property Address | 3423 CLOVER DR, COVINGTON, KY 41015-4214 |
| Document Number | 0000000051 |
| Book / Page | 0I4151 / 000202 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 51 |
| Transaction Type | Transfer |
| Record Updated | Sep 13, 2018 |
| Title Company | TERRY MONNIE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $254.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3423 CLOVER DR COVINGTON KY 410154214, COVINGTON, KY 41015-4214 |
| Document Number | 53 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 0I4151/000205 |
| Instrument | 53 |
| Name | FIRST EQUITY MTG INC |
|---|---|
| Address | FT MITCHELL, KY 41017 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 20, 2048 |
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 |
|---|---|---|---|
| 2025 | $2,901.00 (-7.05%) | $292,800 (-) Land $30,000 Building $262,800 | $292,800 (-) Land $30,000 Building $262,800 |
| 2023 | $3,121.00 | $292,800 Land $30,000 Building $262,800 | $292,800 Land $30,000 Building $262,800 |
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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