Kenton County property record for 3608 Mills Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,581 sqft · built 1974 |
| Lot Size | 0.778 acres (33,890 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,689 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Sep 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-00-043.00 |
| Primary APN | 072-00-00-043.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,581 sqft Finished Area |
| Gross Area | 2,177 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick |
| Roof Material | Composition Shingle |
| Lot Area | 33,890 sqft (0.778 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Heating System | Radiant |
| Heating Fuel | Electric |
| Street Address | 3608 MILLS RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2476 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.778 ACS NS MILLS RD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 65800 |
Source: Kenton County assessment roll, as of December 2, 2025
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 File |
|---|---|
| Mailing Address | 3608 MILLS RD, COVINGTON, KY 41015-2476 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BK |
| Sep 13, 2019 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 2, 2007 |
| Deed Sale | Oct 2, 2007 |
| Prior Sale | Aug 17, 1998 · Amount on Record |
| Deed Document Number | 200710 02 059 00255 |
| Deed Book / Page | 2203 / 309 |
| Prior Transfer Date | May 13, 2004 |
| Prior Transfer Doc | 0005900106 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3608 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000128 |
| Instrument Date | May 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| Title Company | HIGH STREET TITLE COMPANY, HIGH STREET TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3608 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476 |
| Document Number | 0000000128 |
|---|---|
| Date | Jun 4, 2020 |
| Book Page | 000M53/000055 |
| Instrument | 128 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 3, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3608 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000076 |
| Instrument Date | Sep 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2019 |
| Title Company | DATA SEARCH INC |
| Name | Verified Name |
|---|---|
| Address | 10154 DECOURSEY PIKE RYLAND HGHT KY 410159305, RYLAND HGHT, KY 41015-9305 |
| Document Number | 0000000076 |
|---|---|
| Date | Sep 26, 2019 |
| Book Page | 0I4334/000121 |
| Instrument | 76 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WINSTON SALEM, NC 27101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 25, 2044 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $1,689.00 (+11.56%) Homeowner's exemption | $194,400 (+16.83%) Land $30,000 Building $164,400 | $194,400 (+16.83%) Land $30,000 Building $164,400 |
| 2023 | $1,514.00 Homeowner's exemption | $166,400 Land $25,000 Building $141,400 | $166,400 Land $25,000 Building $141,400 |
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 | Direct burnable vegetation at the parcel |
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) |
|---|---|
| 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 |
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