3524 Reeves Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3524 Reeves Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,028 sqft · built 1997
Lot Size	1.55 acres (67,518 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,360 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042-20-00-001.02`

Property Details

APN / Parcel Number

Primary APN	`042-20-00-001.02`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,028 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	67,518 sqft (1.55 acres)
Lot Dimensions	307 ft deep x 20 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	3524 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 13
Legal Subdivision	ASHLEY RIDGE
Legal Phase	2
Legal Lot Number	13
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1019
Census Tract	64700

Owner

3524 Reeves Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3524 REEVES DR, COVINGTON, KY 41017-9436
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO
Nov 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3524 REEVES DR, COVINGTON, KY 41017-9436
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 REEVES DR, COVINGTON, KY 41017-9436

Mortgage

Document Number	0005900119
Date	Nov 4, 2022
Book Page	198/901
Instrument	22110405900119

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	35 Months
Due	Oct 25, 2025

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3524 REEVES DR, COVINGTON, KY 41017-9436
Transaction Type	Mortgage
Record Updated	Nov 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3524 REEVES DR, COVINGTON, KY 41017-9436

Mortgage

Document Number	0005900118
Date	Nov 4, 2022
Book Page	419/479
Instrument	22110405900118

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	35 Months
Due	Oct 25, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 3524 Reeves Dr was $4,360.

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		$440,000 (-) Land $100,000 Building $340,000	$440,000 (-) Land $100,000 Building $340,000
2025	$4,360.00	$440,000 Land $100,000 Building $340,000	$440,000 Land $100,000 Building $340,000
2023	$4,690.00	$440,000 Land $80,000 Building $360,000	$440,000 Land $80,000 Building $360,000

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

Flood

FEMA maps place 3524 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 3524 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	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 53 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Reeves Dr

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