3523 Reeves Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3523 Reeves Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,383 sqft · built 1999
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Company Names on Record
Last Sale	$414,000 (Jan 2026)
Tax Bill	$4,751 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042-20-00-001.03`

Property Details

APN / Parcel Number

Primary APN	`042-20-00-001.03`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,383 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	24,394 sqft (0.56 acres)
Lot Dimensions	156 ft deep x 48 ft wide
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3523 REEVES DR
City	COVINGTON
State	KY
Zip	41017-9436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHLEY RIDGE SEC 2 LOT 14
Legal Subdivision	ASHLEY RIDGE
Legal Phase	2
Legal Lot Number	14
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	64700

Owner

Source: Kenton County records, as of May 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3523 REEVES DR, COVINGTON, KY 41017-9436
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit GERMAN AMERICAN BANK
Jan 28, 2026	Intrafamily Transfer, Transfer
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage VICTORY CMNTY BK
Jul 11, 2018	Deed of Trust, Mortgage · Line of Credit VICTORY CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 28, 2026 · Amount on Record
Deed Sale	Jan 28, 2026 · Amount on Record
Prior Sale	Jul 24, 1997 · Amount on Record
Deed Document Number	20261634
Deed Book / Page	387 / 18
Prior Transfer Date	Mar 27, 2015
Prior Transfer Doc	0000000133
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 4, 2026
Property Address	3523 REEVES DR, COVINGTON, KY 41017-9436
Document Number	0000008968
Book / Page	423 / 587
Instrument Date	Mar 27, 2026
Instrument	20268968
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	HOMESITE TITLE, HOMESTEAD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust, 222

Mortgage

Document Number	0000008968,
Date	May 4, 2026
Book Page	423/587
Instrument	20268968

Lender

Name	GERMAN AMERICAN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 20, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Jan 28, 2026
Property Address	3523 REEVES DR, COVINGTON, KY 41017-9436
Document Number	0000001634
Book / Page	387 / 18
Instrument Date	Jan 22, 2026
Instrument	26059000001634
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3523 REEVES DR, COVINGTON, KY 41017-9436

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	3523 REEVES DR, COVINGTON, KY 41017-9436

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3523 REEVES DR, COVINGTON, KY 41017-9436
Document Number	0000000056
Instrument Date	Feb 28, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3523 REEVES DR COVINGTON KY 410179436, COVINGTON, KY 41017-9436

Mortgage

Document Number	0000000056
Date	Mar 6, 2020
Book Page	000M17/000189
Instrument	56

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3523 REEVES DR, COVINGTON, KY 41017-9436
Document Number	0000000260
Instrument Date	Jul 11, 2018
Transaction Type	Mortgage
Record Updated	Oct 18, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3523 REEVES DR COVINGTON KY 410179436, COVINGTON, KY 41017-9436

Mortgage

Document Number	0000000260
Date	Oct 2, 2018
Book Page	0C6514/000183
Instrument	260

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2028

Interest

Rate Type	Adjustable Rate

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
2025	$4,751.00 (-0.65%) Homeowner's exemption	$528,600 (+6.79%) Land $100,000 Building $428,600	$528,600 (+6.79%) Land $100,000 Building $428,600
2023	$4,782.00 Homeowner's exemption	$495,000 Land $80,000 Building $415,000	$495,000 Land $80,000 Building $415,000

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

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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