3528 Park Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3528 Park Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1920
Lot Size	0.288 acres (12,540 sqft)
Owner	Company Name on Record
Last Sale	$125,000 (Apr 2018)
Tax Bill	$2,370 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Nov 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`056-33-01-006.00`

Property Details

APN / Parcel Number

Primary APN	`056-33-01-006.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,300 sqft Finished Area
Gross Area	1,736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	12,540 sqft (0.288 acres)
Lot Dimensions	209 ft deep x 60 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3528 PARK DR
City	COVINGTON
State	KY
Zip	41015-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DINMORE PARK LOT 123 & N 28' LOT 124 60'X 209.12' IRREG ES PARK DR
Legal Subdivision	DINMORE PARK-LATONIA
Legal Lot Number	123,124
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1001
Census Tract	61200

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Ritte's East Historic District listed 2014 · 628 contributing resources · NRIS 14000459

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kenton County records, as of June 9, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3500 PARK CENTER DR, 100, DAYTON, OH 45414-2680
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA
Nov 19, 2021	Warranty Deed, Transfer TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES
Apr 23, 2018	Grant Deed, Transfer · VA Mortgage AMERICAN MTG SVC
Feb 14, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2018 · Amount on Record
Deed Sale	Apr 23, 2018 · Amount on Record
Prior Sale	Feb 13, 2018 · Amount on Record
Deed Document Number	201804 23 059 00130
Deed Book / Page	6395 / 99
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3528 PARK DR, COVINGTON, KY 41015-1522
Transaction Type	Mortgage
Record Updated	Jan 12, 2024
Title Company	OS NATIONAL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900170
Date	Dec 15, 2023
Book Page	KCM 514/463
Instrument	23121505900170

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 19, 2021
Property Address	3528 PARK DR, COVINGTON, KY 41015-1522
Document Number	0005900015
Book / Page	132 / 106
Map Reference	MB 170 PG 640
Instrument Date	Nov 10, 2021
Instrument	21111905900015
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	TOTAL TITLE SERVICES INC, TOTAL TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 PARK CENTER DR STE 100, 100, DAYTON, OH 45414-2680
Investor	Possibly a Property Investor

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 23, 2018
Property Address	3528 PARK DR, COVINGTON, KY 41015-1522
Document Number	0000000130
Book / Page	0C6395 / 000099
Instrument Date	Apr 20, 2018
Instrument	130
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
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	3528 PARK DR COVINGTON KY 410151522, COVINGTON, KY 41015-1522

Mortgage

Document Number	131
Date	Apr 23, 2018
Book Page	0C6395/000102
Instrument	131

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 22, 2048

February 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Feb 14, 2018
Property Address	3528 PARK DR, COVINGTON, KY 41015-1522
Document Number	0000000037
Book / Page	0C6353 / 000301
Instrument Date	Feb 3, 2016
Instrument	37
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$45.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	12013 DECKER LN WALTON KY 410949580, WALTON, KY 41094-9580

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	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,370.00 (+36.92%)	$178,900 (+37.62%) Land $10,000 Building $168,900	$178,900 (+37.62%) Land $10,000 Building $168,900
2023	$1,731.00	$130,000 Land $10,000 Building $120,000	$130,000 Land $10,000 Building $120,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	22 (1993–2025)
Claims Outside the SFHA	4 of 22
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides, Feb 2018 · 3 claims Severe Storm, Flooding, And Tornadoes, Mar 1997 · 13 claims

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 95% of the US · lower than 95% 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 98 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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