3542 Mills Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3542 Mills Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · built 2015
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Oct 2022)
Tax Bill	$4,826 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-00-03-278.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-03-278.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3542 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 278
Legal Subdivision	ASHFORD VILLAGE
Legal Phase	10
Legal Lot Number	278
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1026
Census Tract	65800

Owner

Source: Kenton County records · APN 072-00-03-278.00

Assessment roll updated April 1, 2025 · Last verified December 2025

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3542 MILLS RD, COVINGTON, KY 41015-2477
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 26, 2022 · Amount on Record
Deed Sale	Oct 26, 2022 · Amount on Record
Prior Sale	Nov 17, 2015 · Amount on Record
Deed Document Number	0000196883
Deed Book / Page	196 / 883
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 26, 2022
Property Address	3542 MILLS RD, COVINGTON, KY 41015-2477
Document Number	0005900089
Book / Page	KC 196 / 883
Map Reference	SL A-1078
Instrument Date	Oct 21, 2022
Instrument	22102605900089
Transaction Type	Transfer
Record Updated	Nov 04, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1874 FREEDOM TRL, 1874, INDEPENDENCE, KY 41051-7607

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3542 MILLS RD, COVINGTON, KY 41015-2477

Mortgage

Document Number	0005900090
Date	Oct 26, 2022
Instrument	22102605900090

Lender

Name	WARSAW FSLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.17%
Type Change Date	Nov 01, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.1%
Index	Other
Max Rate	10.1%

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,826.00 (-7.85%)	$415,000 (-) Land $45,000 Building $370,000	$415,000 (-) Land $45,000 Building $370,000
2023	$5,237.00	$415,000 Land $40,000 Building $375,000	$415,000 Land $40,000 Building $375,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 76 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.