3491 Reeves Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3491 Reeves Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,631 sqft · built 1995
Lot Size	0.94 acres (40,946 sqft)
Owner	2 Individual Names on Record
Last Sale	$70,000 (Jan 1995)
Tax Bill	$5,043 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042-20-00-032.00`

Property Details

APN / Parcel Number

Primary APN	`042-20-00-032.00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,631 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	40,946 sqft (0.94 acres)
Lot Dimensions	239 ft deep x 87 ft wide
Garage Type	Attached
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3491 REEVES DR
City	COVINGTON
State	KY
Zip	41017-9436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHLEY RIDGE SEC 3 LOT 22
Legal Subdivision	ASHLEY RIDGE
Legal Phase	3
Legal Lot Number	22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	64700

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3491 REEVES DR, COVINGTON, KY 41017-9436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Oct 29, 2021	Deed of Trust, Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 1995 · Amount on Record
Deed Sale	Jan 24, 1995 · Amount on Record
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3491 REEVES DR, COVINGTON, KY 41017-9436
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3491 REEVES DR, COVINGTON, KY 41017-9436

Mortgage

Document Number	0005900165
Date	Aug 22, 2022
Book Page	400/223
Instrument	22082205900165

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 27, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3491 REEVES DR, COVINGTON, KY 41017-9436
Transaction Type	Mortgage
Record Updated	Nov 15, 2021
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900133
Date	Oct 29, 2021
Book Page	293/1
Instrument	21102905900133

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$558,000 (-) Land $100,000 Building $458,000	$558,000 (-) Land $100,000 Building $458,000
2025	$5,043.00 (-0.4%) Homeowner's exemption	$558,000 (+7.02%) Land $100,000 Building $458,000	$558,000 (+7.02%) Land $100,000 Building $458,000
2023	$5,063.00 Homeowner's exemption	$521,400 Land $80,000 Building $441,400	$521,400 Land $80,000 Building $441,400

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 94% of the US · lower than 94% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 205 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
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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