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3455 Clover Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3455 Clover Dr, Covington, KY 41015 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 2,362 sqft · built 1997
Lot Size0.31 acres (13,504 sqft)
Owner2 Individual Names on File
Tax Bill$3,070 (2025)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN059-00-00-003.56

Property Details

APN / Parcel Number

Primary APN059-00-00-003.56

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,362 sqft Finished Area
Gross Area3,121 sqft
Fireplaces2 Fireplaces
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area13,504 sqft (0.31 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas
SewerConnected

Location & Zoning

Old Parcel Number0590000003.56
Street Address3455 CLOVER DR
CityCOVINGTON
StateKY
Zip41015-4214
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCLOVER MEADOWS SEC 4 LOT 17
Legal SubdivisionCLOVER MEADOWS
Legal Phase4
Legal Lot Number17
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group4
Census Block4009
Census Tract65300

Owner

Source: Kenton County records · APN 059-00-00-003.56

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 Address3455 CLOVER DR, COVINGTON, KY 41015-4214
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 27, 2014
Deed SaleAug 27, 2014
Prior SaleMay 22, 2006 · Amount on Record
Deed Document Number0003480195
Deed Book / PageI-3480 / 195
Record UpdatedJun 08, 2026

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address3455 CLOVER DR, COVINGTON, KY 41015-4214
Document Number0000000016
Instrument DateSep 24, 2020
Transaction TypeMortgage
Record UpdatedOct 16, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address3455 CLOVER DR COVINGTON KY 410154214, COVINGTON, KY 41015-4214

Mortgage

Document Number0000000016
DateOct 05, 2020
Book Page00M106/000562
Instrument16
Lender
NameHEARTLAND BK
TypeBank
AddressWHITEHALL, OH 43213
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueOct 04, 2035

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$3,070.00 (-7.03%)$309,800 (-) Land $30,000 Building $279,800$309,800 (-) Land $30,000 Building $279,800
2023$3,302.00$309,800 Land $30,000 Building $279,800$309,800 Land $30,000 Building $279,800

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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