Kenton County property record for 3431 Clover Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,623 sqft · built 1997 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Owner Name on File |
| Last Sale | $153,000 (May 2012) |
| Tax Bill | $2,453 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-00-00-003.62 |
| Primary APN | 059-00-00-003.62 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,623 sqft Finished Area |
| Gross Area | 1,950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0590000003.62 |
|---|---|
| Street Address | 3431 CLOVER DR |
| City | COVINGTON |
| State | KY |
| Zip | 41015-4214 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLOVER MEADOWS SEC 4 LOT 23 |
| Legal Subdivision | CLOVER MEADOWS |
| Legal Phase | 4 |
| Legal Lot Number | 23 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 65300 |
Source: Kenton County assessment roll, as of April 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 3431 CLOVER DR, COVINGTON, KY 41015-4214 |
| Occupancy | Owner Occupied |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 8, 2012 · Amount on Record |
| Deed Sale | May 8, 2012 · Amount on Record |
| Deed Document Number | 0003049225 |
| Deed Book / Page | 3049 / 225 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3431 CLOVER DR, COVINGTON, KY 41015-4214 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3431 CLOVER DR, COVINGTON, KY 41015-4214 |
| Document Number | 0005900113 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | KCM 446/90 |
| Instrument | 23031305900113 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
Source: Kenton County assessment roll, as of April 1, 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 | $2,453.00 (-7.05%) | $247,600 (-) Land $30,000 Building $217,600 | $247,600 (-) Land $30,000 Building $217,600 |
| 2023 | $2,639.00 | $247,600 Land $30,000 Building $217,600 | $247,600 Land $30,000 Building $217,600 |
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 at the parcel |
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) |
|---|---|
| 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 |
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