Kenton County property record for 363 Riverbend Dr, Covington, KY 41016
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2.5 ba · 1,761 sqft · built 2006 |
| Lot Size | 0.041 acres (1,793 sqft) |
| Owner | Individual Name on File |
| Last Sale | $463,000 (Aug 2026) |
| Tax Bill | $4,256 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Mar 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 840-20-01-021.24 |
| Primary APN | 840-20-01-021.24 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,761 sqft Finished Area |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 1,793 sqft (0.041 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 363 RIVERBEND DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1711 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | RIVERS BREEZE SEC 6 UNIT 21-204 1793 SF WESTHAMPTON RIGHT END |
| Legal Subdivision | RIVERS BREEZE |
| Legal Phase | 6 |
| Legal Lot Number | 21-204 |
| Legal Unit | 21-204 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 63800 |
363 Riverbend Dr, a condominium, is owned and occupied by an individual who bought it in August 2026.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 363 RIVERBEND DR, COVINGTON, KY 41016-1711 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Warranty Deed, Transfer · Conventional Mortgage WARSAW FEDERAL SAVINGS AND LOANS ASSOCIATION |
| Mar 8, 2022 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| May 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Apr 12, 2021 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2026 · Amount on File |
| Deed Sale | Aug 18, 2026 · Amount on File |
| Prior Sale | Sep 8, 2005 · Amount on File |
| Deed Document Number | 202618541 |
| Deed Book / Page | 482 / 223 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 18, 2026 |
| Property Address | 363 RIVERBEND DR, COVINGTON, KY 41016-1711 |
| Document Number | 0000018541 |
| Book / Page | 482 / 223 |
| Instrument Date | Aug 12, 2026 |
| Instrument | 202618541 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $46,763.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 363 RIVERBEND DR, COVINGTON, KY 41016-1711 |
| Document Number | 0000018542, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 482/227 |
| Instrument | 2026081818542 |
| Name | WARSAW FEDERAL SAVINGS AND LOANS ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.6% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 363 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Name | Verified Name |
|---|---|
| Address | 363 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Document Number | 0005900204 |
|---|---|
| Date | Mar 8, 2022 |
| Book Page | 345/783 |
| Instrument | 22030805900204 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 18, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 363 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900043 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 218/633 |
| Instrument | 21052405900043 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 363 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 363 RIVERBEND DR, LUDLOW, KY 41016-1711 |
| Document Number | 0005900261 |
|---|---|
| Date | Apr 12, 2021 |
| Book Page | 200/131 |
| Instrument | 21041205900261 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 351 Months |
| Due | Jul 25, 2050 |
The 2025 property tax bill for 363 Riverbend Dr was $4,256 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Ludlow City |
| Unified School District | Ludlow Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $375,000 (-) Building $375,000 | $375,000 (-) Building $375,000 | |
| 2025 | $4,256.00 Homeowner's exemption | $375,000 Building $375,000 | $375,000 Building $375,000 |
| 2023 | $4,229.00 Homeowner's exemption | $375,000 Building $375,000 | $375,000 Building $375,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 363 Riverbend Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 2024 · other causes |
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.
Wildfire risk around 363 Riverbend Dr 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.
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 95 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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