3582 Mills Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3582 Mills Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1980
Lot Size	4.01 acres (174,676 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,210 (2025)
Deeds & Mortgages	Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072-00-00-046.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-00-046.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	780 sqft Finished Area
Gross Area	1,700 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	174,676 sqft (4.01 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	3582 MILLS RD
City	COVINGTON
State	KY
Zip	41015-2477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4.01 ACS NS MILLS RD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1026
Census Tract	65800

Owner

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 Record
Mailing Address	3582 MILLS RD, COVINGTON, KY 41015-2477
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3582 MILLS RD, COVINGTON, KY 41015-2477
Document Number	0000000094
Instrument Date	Jun 19, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3582 MILLS RD COVINGTON KY 410152477, COVINGTON, KY 41015-2477

Mortgage

Document Number	0000000094
Date	Jul 9, 2020
Book Page	000M67/000321
Instrument	94

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 8, 2050

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	Independence City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$239,200 (-) Land $50,000 Building $189,200	$239,200 (-) Land $50,000 Building $189,200
2025	$2,210.00 (+38.47%) Homeowner's exemption	$239,200 (+89.09%) Land $50,000 Building $189,200	$239,200 (+89.09%) Land $50,000 Building $189,200
2023	$1,596.00	$126,500 Land $50,000 Building $76,500	$126,500 Land $50,000 Building $76,500

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