Kenton County property record for 3538 Mills Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · built 2017 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $165,000 (Dec 2023) |
| Tax Bill | $4,029 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Dec 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-03-277.00 |
| Primary APN | 072-00-03-277.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3538 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 277 |
| Legal Subdivision | ASHFORD VILLAGE |
| Legal Phase | 10 |
| Legal Lot Number | 277 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 65800 |
3538 Mills Rd is owner-occupied and held in a trust since March 2026.
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 Trust Names on File |
|---|---|
| Mailing Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Date | Document |
|---|---|
| Mar 11, 2026 | Quit Claim Deed, Transfer Quitclaim |
| Dec 5, 2023 | Intrafamily Transfer, Transfer |
| Mar 24, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 5, 2023 · Amount on File |
| Deed Sale | Dec 5, 2023 · Amount on File |
| Prior Sale | Mar 24, 2017 · Amount on File |
| Deed Document Number | 2023107 |
| Deed Book / Page | 259 / 750 |
| Last Transfer Date | Mar 9, 2026 |
| Transfer Doc | 0000004918 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 11, 2026 |
| Property Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0000004918 |
| Book / Page | 398 / 695 |
| Map Reference | SL A-1078 |
| Instrument Date | Mar 9, 2026 |
| Instrument | 26059000004918 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Dec 5, 2023 |
| Property Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0005900107 |
| Book / Page | KC 259 / 750 |
| Map Reference | SL A-1078 |
| Instrument Date | Dec 4, 2023 |
| Instrument | 23120505900107 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 24, 2017 |
| Property Address | 3538 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0000000035 |
| Book / Page | 0I3915 / 000157 |
| Instrument Date | Jul 27, 2015 |
| Instrument | 35 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 18, 2017 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $319.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3538 MILLS RD COVINGTON KY 410152477, COVINGTON, KY 41015-2477 |
| Document Number | 36 |
|---|---|
| Date | Mar 24, 2017 |
| Book Page | 0I3915/000160 |
| Instrument | 36 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 23, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.12% |
The 2025 property tax bill for 3538 Mills Rd was $4,029.
Source: Kenton County assessment roll, as of December 2, 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 |
|---|---|---|---|
| 2026 | $346,500 (-) Land $45,000 Building $301,500 | $346,500 (-) Land $45,000 Building $301,500 | |
| 2025 | $4,029.00 | $346,500 Land $45,000 Building $301,500 | $346,500 Land $45,000 Building $301,500 |
| 2023 | $4,037.00 | $319,900 Land $40,000 Building $279,900 | $319,900 Land $40,000 Building $279,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3538 Mills Rd 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 risk around 3538 Mills Rd is low, with 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 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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