3503 Reeves Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3503 Reeves Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,128 sqft · built 1994
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$448,000 (Dec 2000)
Tax Bill	$5,136 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042-20-00-029.00`

Property Details

APN / Parcel Number

Primary APN	`042-20-00-029.00`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,128 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	26,136 sqft (0.6 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	3503 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 19
Legal Subdivision	ASHLEY RIDGE
Legal Phase	3
Legal Lot Number	19
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	64700

Owner

3503 Reeves Dr is owned and occupied by two individuals who acquired it in December 2017.

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 File
Mailing Address	3503 REEVES DR, COVINGTON, KY 41017-9436
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 27, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2000 · Amount on File
Deed Sale	Dec 21, 2000 · Amount on File
Last Transfer Date	Dec 11, 2017
Transfer Doc	0005900063
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3503 REEVES DR, COVINGTON, KY 41017-9436
Transaction Type	Mortgage
Record Updated	May 3, 2021
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900205
Date	Apr 8, 2021
Book Page	198/1
Instrument	21040805900205

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Dec 27, 2017
Property Address	3503 REEVES DR, COVINGTON, KY 41017-9436
Document Number	0000000081
Book / Page	0C6322 / 000307
Instrument Date	Dec 11, 2017
Instrument	81
Transaction Type	Transfer
Record Updated	Feb 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3503 REEVES DR COVINGTON KY 410179436, COVINGTON, KY 41017-9436

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3503 REEVES DR, COVINGTON, KY 41017-9436
Document Number	0000000201
Book / Page	0C6084 / 000208
Instrument Date	Jan 10, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3503 REEVES DR COVINGTON KY 410179436, COVINGTON, KY 41017-9436

Mortgage

Document Number	0000000201
Date	Jan 27, 2017
Book Page	0C6084/000208
Instrument	201

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 3503 Reeves Dr was $5,136 with a homeowner's exemption.

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		$567,400 (-) Land $100,000 Building $467,400	$567,400 (-) Land $100,000 Building $467,400
2025	$5,136.00 Homeowner's exemption	$567,400 Land $100,000 Building $467,400	$567,400 Land $100,000 Building $467,400
2023	$5,333.00 Homeowner's exemption	$546,700 Land $80,000 Building $466,700	$546,700 Land $80,000 Building $466,700

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

Flood

FEMA maps place 3503 Reeves Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3503 Reeves Dr is low, with less than a 0.01% annual chance of 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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