3559 Galway Ct, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3559 Galway Ct, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,236 sqft · built 2005
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$309,000 (Oct 2019)
Tax Bill	$4,119 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Oct 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-00-03-091.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-03-091.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,236 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	111 ft deep x 42 ft wide
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	3559 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 91
Legal Subdivision	ASHFORD VILLAGE
Legal Phase	3
Legal Lot Number	91
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1025
Census Tract	65800

Owner

3559 Galway Ct is owned and occupied by two individuals who bought it in October 2019.

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 Individual Names on File
Mailing Address	3559 GALWAY CT, COVINGTON, KY 41015-2424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Oct 29, 2019	Warranty Deed, Transfer · Conventional with PMI POLARIS HM FNDG
Aug 12, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2019 · Amount on File
Deed Sale	Oct 29, 2019 · Amount on File
Prior Sale	Aug 12, 2019 · Amount on File
Deed Document Number	201910 29 059 00165
Deed Book / Page	4353 / 61
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3559 GALWAY CT, COVINGTON, KY 41015-2424
Transaction Type	Mortgage
Record Updated	Oct 16, 2023
Title Company	THIRD CAPITAL TITLE NEO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900286
Date	Oct 4, 2023
Book Page	KCM 497/641
Instrument	23100405900286

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Oct 2, 2033

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2019
Property Address	3559 GALWAY CT, COVINGTON, KY 41015-2424
Document Number	0000000165
Book / Page	0I4353 / 000061
Instrument Date	Oct 25, 2019
Instrument	165
Transaction Type	Transfer
Record Updated	Nov 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$309.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3559 GALWAY CT COVINGTON KY 410152424, COVINGTON, KY 41015-2424

Mortgage

Document Number	168
Date	Oct 29, 2019
Book Page	0I4353/000064
Instrument	168

Lender

Name	POLARIS HM FNDG
Type	Funding / Finance Company
Address	GRANDVILLE, MI 49418

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2049

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 12, 2019
Property Address	3559 GALWAY CT, COVINGTON, KY 41015-2424
Document Number	0000000121
Book / Page	0I4310 / 000001
Instrument Date	Aug 1, 2019
Instrument	121
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$175.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3687 TAMBER RIDGE DR COVINGTON KY 410152500, COVINGTON, KY 41015-2500

Tax Assessment & Valuation

The 2025 property tax bill for 3559 Galway Ct was $4,119.

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		$354,200 (-) Land $45,000 Building $309,200	$354,200 (-) Land $45,000 Building $309,200
2025	$4,119.00	$354,200 Land $45,000 Building $309,200	$354,200 Land $45,000 Building $309,200
2023	$3,899.00	$309,000 Land $40,000 Building $269,000	$309,000 Land $40,000 Building $269,000

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

Flood

FEMA maps place 3559 Galway Ct 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

Wildfire risk around 3559 Galway Ct 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	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 120 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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