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3442 Clover Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3442 Clover Dr, Covington, KY 41015 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,288 sqft · built 1998
Lot Size0.589 acres (25,700 sqft)
Owner2 Individual Names on File
Tax Bill$2,836 (2025)
Deeds & MortgagesAug 2022 Line of Credit
Nov 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN059-00-00-003.67

Property Details

APN / Parcel Number

Primary APN059-00-00-003.67

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,288 sqft Finished Area
Gross Area3,048 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1998
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area25,700 sqft (0.589 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0590000003.67
Street Address3442 CLOVER DR
CityCOVINGTON
StateKY
Zip41015-4211
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCLOVER MEADOWS SEC 4 LOT 46
Legal SubdivisionCLOVER MEADOWS
Legal Phase4
Legal Lot Number46
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group4
Census Block4007
Census Tract65300

Owner

Source: Kenton County records · APN 059-00-00-003.67

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 Record2 Individual Names on File
Mailing Address3442 CLOVER DR, COVINGTON, KY 41015-4211
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 09, 2022Deed of Trust, Mortgage · Line of Credit
US BANK NA
Nov 15, 2019Deed of Trust, Mortgage · Conventional Mortgage
GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 01, 1999
Deed SaleOct 01, 1999
Prior SaleMar 19, 1998 · Amount on Record
Deed Document Number0000067160
Record UpdatedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3442 CLOVER DR, COVINGTON, KY 41015-4211
Transaction TypeMortgage
Record UpdatedJan 05, 2024
Title CompanyRADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3442 CLOVER DR, COVINGTON, KY 41015-4211

Mortgage

Document Number0005900086
DateAug 09, 2022
Book Page396/70
Instrument22080905900086
Lender
NameUS BANK NA
TypeBank
AddressCINCINNATI, OH 45202
Agreement
TypeLine of Credit
AmountAmount Recorded
Term359 Months
DueJul 11, 2052
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3442 CLOVER DR, COVINGTON, KY 41015-4211
Document Number0000000077
Instrument DateNov 15, 2019
Transaction TypeMortgage
Record UpdatedDec 18, 2019
Title CompanyPROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3442 CLOVER DR COVINGTON KY 410154211, COVINGTON, KY 41015-4211

Mortgage

Document Number0000000077
DateDec 03, 2019
Book Page0I4370/000168
Instrument77
Lender
NameGUARDIAN SVGS BK
TypeFederal Savings Bank
AddressCINCINNATI, OH 45239
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueDec 02, 2039

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,836.00 (-7.02%)$286,200 (-) Land $30,000 Building $256,200$286,200 (-) Land $30,000 Building $256,200
2023$3,050.00$286,200 Land $30,000 Building $256,200$286,200 Land $30,000 Building $256,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170653004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 37% of Kentucky
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 127 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Cincinnati BellFiber3,000 / 3,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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