Kenton County property record for 3550 Mills Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,900 sqft · built 1979 |
| Lot Size | 2.03 acres (88,688 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $314,000 (Jul 2019) |
| Tax Bill | $3,651 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-00-048.00 |
| Primary APN | 072-00-00-048.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 1,900 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 88,688 sqft (2.03 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 3550 MILLS RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2477 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.036 ACS NS MILLS RD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 65800 |
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 | 3550 MILLS RD, COVINGTON, KY 41015-2477 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 30, 2019 | Grant Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BK |
| Aug 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2019 · Amount on Record |
| Deed Sale | Jul 30, 2019 · Amount on Record |
| Deed Document Number | 201907 30 059 00054 |
| Deed Book / Page | 4301 / 330 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3550 MILLS RD, COVINGTON, KY 41015-2477 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900318 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 207/63 |
| Instrument | 21042305900318 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 30, 2019 |
| Property Address | 3550 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0000000054 |
| Book / Page | 0I4301 / 000330 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 54 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $314.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3550 MILLS RD COVINGTON KY 410152477, COVINGTON, KY 41015-2477 |
| Document Number | 55 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 0I4301/000333 |
| Instrument | 55 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3550 MILLS RD, COVINGTON, KY 41015-2477 |
| Document Number | 0000000113 |
| Instrument Date | Aug 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2018 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3550 MILLS RD COVINGTON KY 410152477, COVINGTON, KY 41015-2477 |
| Document Number | 0000000113 |
|---|---|
| Date | Sep 10, 2018 |
| Book Page | 0I4162/000130 |
| Instrument | 113 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 9, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
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 | $314,000 (-) Land $40,000 Building $274,000 | $314,000 (-) Land $40,000 Building $274,000 | |
| 2025 | $3,651.00 (-7.85%) | $314,000 (-) Land $40,000 Building $274,000 | $314,000 (-) Land $40,000 Building $274,000 |
| 2023 | $3,962.00 | $314,000 Land $40,000 Building $274,000 | $314,000 Land $40,000 Building $274,000 |
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 | 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.
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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