Kenton County property record for 3534 Mills Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · built 2017 |
| Lot Size | 0.519 acres (22,651 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $346,000 (Nov 2020) |
| Tax Bill | $3,552 (2025) |
| Deeds & Mortgages | Nov 2020 Sale Sep 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-03-276.00 |
| Primary APN | 072-00-03-276.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Lot Area | 22,651 sqft (0.519 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3534 MILLS RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2477 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ASHFORD VILLAGE SEC 10 LOT 276 |
| Legal Subdivision | ASHFORD VILLAGE |
| Legal Phase | 10 |
| Legal Lot Number | 276 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 65800 |
Source: Kenton County records, as of November 27, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3534 MILLS RD, COVINGTON, KY 41015-2477 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Sep 21, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PENTAGON FCU |
| Mar 3, 2017 | Grant Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 2020 · Amount on Record |
| Deed Sale | Nov 4, 2020 · Amount on Record |
| Prior Sale | Sep 21, 2017 · Amount on Record |
| Deed Document Number | 0000005325 |
| Deed Book / Page | 53 / 25 |
| Record Updated | Jun 8, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 4, 2020 |
| Property Address | 3534 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0000000040 |
| Book / Page | 000053 / 000025 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 40 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $346.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3534 MILLS RD INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 21, 2017 |
| Property Address | 3534 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0000000187 |
| Book / Page | 0I4003 / 000073 |
| Instrument Date | Aug 24, 2017 |
| Instrument | 187 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 2, 2018 |
| Title Company | LENDERS TITLE SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $303.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3534 MILLS RD COVINGTON KY 410152477, COVINGTON, KY 41015-2477 |
| Document Number | 189 |
|---|---|
| Date | Sep 21, 2017 |
| Book Page | 0I4003/000076 |
| Instrument | 189 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Address | ALEXANDRIA, VA 22313 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 3, 2017 |
| Property Address | 3534 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0000000194 |
| Book / Page | 0I3904 / 000348 |
| Instrument Date | Feb 9, 2017 |
| Instrument | 194 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2017 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $40.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 211 GRANDVIEW DR FORT MITCHELL KY 410172759, FORT MITCHELL, KY 41017-2759 |
| Investor | Possibly a Property Investor |
Source: Kenton County assessment roll, as of April 1, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Independence City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,552.00 (-6.03%) Homeowner's exemption | $354,600 (+2.49%) Land $45,000 Building $309,600 | $354,600 (+2.49%) Land $45,000 Building $309,600 |
| 2023 | $3,780.00 Homeowner's exemption | $346,000 Land $40,000 Building $306,000 | $346,000 Land $40,000 Building $306,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 76 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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