3549 Galway Ct, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3549 Galway Ct, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,002 sqft · built 2011
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$216,800 (May 2022)
Tax Bill	$3,708 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072-00-03-089.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-03-089.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,002 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Brick
Foundation Type	Concrete
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3549 GALWAY CT
City	COVINGTON
State	KY
Zip	41015-2424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHFORD VILLAGE SEC 3 LOT 89
Legal Subdivision	ASHFORD VILLAGE
Legal Phase	3
Legal Lot Number	89
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1025
Census Tract	65800

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	Individual Name on Record
Mailing Address	3549 GALWAY CT, COVINGTON, KY 41015-2424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2022 · Amount on Record
Deed Sale	May 6, 2022 · Amount on Record
Prior Sale	Mar 7, 2011 · Amount on Record
Deed Document Number	202214
Deed Book / Page	163 / 795
Prior Transfer Date	Apr 12, 2022
Prior Transfer Doc	0005900014
Record Updated	Oct 29, 2026

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 6, 2022
Property Address	3549 GALWAY CT, COVINGTON, KY 41015-2424
Document Number	0005900014
Book / Page	163 / 795
Map Reference	SL A-556
Instrument Date	Apr 12, 2022
Instrument	22050605900014
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	BRIDGE TRUST TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3549 GALWAY CT, COVINGTON, KY 41015-2424

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3549 GALWAY CT, COVINGTON, KY 41015-2424

Mortgage

Document Number	0005900015
Date	May 6, 2022
Book Page	368/149
Instrument	22050605900015

Lender

Name	L&N FCU
Type	Credit Union
Address	LOUISVILLE, KY 40229

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	May 1, 2027
Change Frequency	6 Months
Min Rate At Change	5.5%
Max Rate At Change	11.5%
Index	Other
Max Rate	11.5%

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$318,900 (-) Land $45,000 Building $273,900	$318,900 (-) Land $45,000 Building $273,900
2025	$3,708.00 (+35.53%)	$318,900 (+47.09%) Land $45,000 Building $273,900	$318,900 (+47.09%) Land $45,000 Building $273,900
2023	$2,736.00	$216,800 Land $40,000 Building $176,800	$216,800 Land $40,000 Building $176,800

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

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 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