3462 Clover Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3462 Clover Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,326 sqft · built 1997
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,000 (Mar 2019)
Tax Bill	$2,725 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`059-00-00-003.43`

Property Details

APN / Parcel Number

Primary APN	`059-00-00-003.43`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,326 sqft Finished Area
Gross Area	2,938 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3462 CLOVER DR
City	COVINGTON
State	KY
Zip	41015-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLOVER MEADOWS SEC 3 LOT 51
Legal Subdivision	CLOVER MEADOWS
Legal Phase	3
Legal Lot Number	51
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4007
Census Tract	65300

Owner

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	3462 CLOVER DR, COVINGTON, KY 41015-4211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Line of Credit STOCK YARDS BANK & TRUST CO
May 6, 2020	Deed of Trust, Mortgage · Conventional with PMI CIVISTA BK
Jan 28, 2020	Warranty Deed, Transfer · Conventional Mortgage STOCKYARD BK&TR
Mar 22, 2019	Grant Deed, Transfer · Conventional Mortgage CENTRAL BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2019 · Amount on Record
Deed Sale	Mar 22, 2019 · Amount on Record
Prior Sale	Jul 21, 2016 · Amount on Record
Deed Document Number	201903 22 059 00088
Deed Book / Page	4240 / 263
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3462 CLOVER DR, COVINGTON, KY 41015-4211
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3462 CLOVER DR, COVINGTON, KY 41015-4211

Mortgage

Document Number	0005900230
Date	Apr 15, 2021
Book Page	202/95
Instrument	21041505900230

Lender

Name	STOCK YARDS BANK & TRUST CO
Type	Bank
Address	LOUISVILLE, KY 40232

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3462 CLOVER DR, COVINGTON, KY 41015-4211
Document Number	000M450225
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	EWBANK LAND TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3462 CLOVER DR COVINGTON KY 410154211, COVINGTON, KY 41015-4211

Mortgage

Document Number	000M450225
Date	May 18, 2020
Book Page	000M45/000225

Lender

Name	CIVISTA BK
Address	SANDUSKY, OH 44870

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 28, 2020
Property Address	3462 CLOVER DR, COVINGTON, KY 41015-4211
Document Number	0000000218
Book / Page	000004 / 000438
Instrument Date	Jan 15, 2020
Instrument	218
Transaction Type	Transfer
Record Updated	Mar 20, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3462 CLOVER DR COVINGTON KY 410154211, COVINGTON, KY 41015-4211

Mortgage

Document Number	219
Date	Jan 28, 2020
Book Page	0000M7/000214
Instrument	219

Lender

Name	STOCKYARD BK&TR
Type	Bank
Address	LOUISVILLE, KY 40206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 27, 2050

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Mar 22, 2019
Property Address	3462 CLOVER DR, COVINGTON, KY 41015-4211
Document Number	0000000088
Book / Page	0I4240 / 000263
Instrument Date	Mar 18, 2019
Instrument	88
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$251.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3462 CLOVER DR COVINGTON KY 410154211, COVINGTON, KY 41015-4211

Mortgage

Document Number	89
Date	Mar 22, 2019
Book Page	0I4240/000266
Instrument	89

Lender

Name	CENTRAL BK
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 2049

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$337,900 (+22.87%) Land $35,000 Building $302,900	$337,900 (+22.87%) Land $35,000 Building $302,900
2025	$2,725.00 (-7.03%)	$275,000 (-) Land $30,000 Building $245,000	$275,000 (-) Land $30,000 Building $245,000
2023	$2,931.00	$275,000 Land $30,000 Building $245,000	$275,000 Land $30,000 Building $245,000

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

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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

3462 Clover Dr, Covington (Latonia), KY 41015 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

April 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on Clover Dr

Nearby Streets

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