3623 Mills Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3623 Mills Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,338 sqft · built 1955
Lot Size	1.48 acres (64,730 sqft)
Owner	2 Individual Names on File
Last Sale	$12,000 (Oct 1999)
Tax Bill	$1,214 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`060-00-00-029.07`

Property Details

APN / Parcel Number

Primary APN	`060-00-00-029.07`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,338 sqft Finished Area
Gross Area	3,402 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	64,730 sqft (1.48 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3623 MILLS RD
City	COVINGTON
State	KY
Zip	41015-2476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.486 ACS SES MILLS RD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2001
Census Tract	65800

Owner

Source: Kenton County records · APN 060-00-00-029.07

Assessment roll updated December 2, 2025 · Last verified June 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 File
Mailing Address	3623 MILLS RD, COVINGTON, KY 41015-2476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 25, 1999 · Amount on Record
Deed Sale	Oct 25, 1999 · Amount on Record
Record Updated	Sep 20, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3623 MILLS RD, COVINGTON, KY 41015-2476
Transaction Type	Mortgage
Record Updated	May 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900040
Date	Mar 14, 2023
Book Page	KCM 446/275
Instrument	23031405900040

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,214.00 (+11.99%) Homeowner's exemption	$153,500 (+16.02%) Land $35,000 Building $118,500	$153,500 (+16.02%) Land $35,000 Building $118,500
2023	$1,084.00 Homeowner's exemption	$132,300 Land $30,000 Building $102,300	$132,300 Land $30,000 Building $102,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

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

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 76 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.