3539 Park Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3539 Park Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,812 sqft · built 1917
Lot Size	0.296 acres (12,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$53,000 (Sep 2002)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	May 2026 Line of Credit Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`056-31-23-013.00`

Property Details

APN / Parcel Number

Primary APN	`056-31-23-013.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,812 sqft Finished Area
Gross Area	2,180 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	12,900 sqft (0.296 acres)
Lot Dimensions	100 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	241 sqft
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	3539 PARK DR
City	COVINGTON
State	KY
Zip	41015-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DINMORE PARK LOT 82 128.53'X 100' IRREG NW PARK DR
Legal Subdivision	DINMORE PARK-LATONIA
Legal Lot Number	82
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 October 20, 2026

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	3539 PARK DR, COVINGTON, KY 41015-1521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Dec 28, 2017	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2002 · Amount on Record
Deed Sale	Sep 30, 2002 · Amount on Record
Prior Sale	Jul 19, 1994 · Amount on Record
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 15, 2026
Property Address	3539 PARK DR, COVINGTON, KY 41015-1521
Document Number	0000010206
Book / Page	432 / 644
Instrument Date	May 1, 2026
Instrument	202610206
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3539 PARK DR, COVINGTON, KY 41015-1521

Mortgage

Document Number	0000010206,
Date	May 15, 2026
Book Page	432/644
Instrument	202610206

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.46%
Max Rate	-1%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3539 PARK DR, COVINGTON, KY 41015-1521
Document Number	0000000112
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3539 PARK DR COVINGTON KY 410151521, COVINGTON, KY 41015-1521

Mortgage

Document Number	0000000112
Date	Jan 11, 2018
Book Page	0C6332/000218
Instrument	112

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2048

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	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$170,700 (+0.41%) Land $15,000 Building $155,700	$170,700 (+0.41%) Land $15,000 Building $155,700
2025	$2,252.00 (-0.53%)	$170,000 (-) Land $10,000 Building $160,000	$170,000 (-) Land $10,000 Building $160,000
2023	$2,264.00	$170,000 Land $10,000 Building $160,000	$170,000 Land $10,000 Building $160,000

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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