Kenton County property record for 3618 Mills Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,209 sqft · built 1947 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,595 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Mar 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 072-00-00-042.00 |
| Primary APN | 072-00-00-042.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,209 sqft Finished Area |
| Gross Area | 1,233 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 3618 MILLS RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2476 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.06 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3618 MILLS RD, COVINGTON, KY 41015-2476 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 9, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Mar 13, 2020 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Feb 11, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Jan 17, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Aug 8, 2006 |
| Transfer Doc | 0005900093 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3618 MILLS RD, COVINGTON, KY 41015-2476 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3618 MILLS RD, COVINGTON, KY 41015-2476 |
| Investor | Possibly a Property Investor |
| Document Number | 0005900074 |
|---|---|
| Date | Nov 9, 2023 |
| Book Page | KCM 506/129 |
| Instrument | 23110905900074 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3618 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000056 |
| Instrument Date | Mar 13, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 3618 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476 |
| Document Number | 0000000056 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 000M31/000691 |
| Instrument | 56 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 13, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3618 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000098 |
| Instrument Date | Feb 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 3618 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476 |
| Document Number | 0000000098 |
|---|---|
| Date | Mar 18, 2019 |
| Book Page | 0I4238/000025 |
| Instrument | 98 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jan 17, 2019 |
| Property Address | 3618 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000109 |
| Book / Page | 0I4217 / 000047 |
| Instrument Date | Jan 15, 2019 |
| Instrument | 109 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3618 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476 |
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 | $186,300 (-) Land $30,000 Building $156,300 | $186,300 (-) Land $30,000 Building $156,300 | |
| 2025 | $1,595.00 (+57.92%) Homeowner's exemption | $186,300 (+47.27%) Land $30,000 Building $156,300 | $186,300 (+47.27%) Land $30,000 Building $156,300 |
| 2023 | $1,010.00 Homeowner's exemption | $126,500 Land $25,000 Building $101,500 | $126,500 Land $25,000 Building $101,500 |
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 |
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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