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364 Riverbend Dr, Covington, KY 41016 Property Records

Kenton County property record for 364 Riverbend Dr, Covington, KY 41016

Property Summary

Property TypeCondominium
Details2 bd · 2 ba · 2,227 sqft · built 2005
Lot Size0.051 acres (2,227 sqft)
OwnerIndividual Name on Record
Last Sale$345,000 (Apr 2021)
Tax Bill$4,505 (2025)
Deeds & MortgagesJun 2023 Transfer
Apr 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN840-20-01-017.34

Property Details

APN / Parcel Number

Primary APN840-20-01-017.34

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,227 sqft Finished Area
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleCondo/Apartment
Exterior MaterialBrick
Foundation TypeConcrete
Lot Area2,227 sqft (0.051 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Street Address364 RIVERBEND DR
CityCOVINGTON
StateKY
Zip41016-1710
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionRIVERS BREEZE SEC 6 UNIT 17-304 & 17-G6 2227 SF WINDHAM UPPER RIGHT END
Legal SubdivisionRIVERS BREEZE
Legal Phase6
Legal Lot Number17-304
Legal Unit17-304
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group3
Census Block3004
Census Tract63800

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address364 RIVERBEND DR, COVINGTON, KY 41016-1710
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 20, 2023Intrafamily Transfer, Transfer
Apr 1, 2021Deed, Transfer · Conventional Mortgage
NATIONS RELIABLE LENDING LLC
Jan 12, 2021Deed of Trust, Mortgage · Conventional Mortgage
NATIONS RELIABLE LNDG
Oct 31, 2018Deed of Trust, Mortgage · Conventional with PMI
NATIONS RELIABLE LNDG

Assessor's Deed Record

Deed NamesName on Deed
Last SaleApr 1, 2021 · Amount on Record
Deed SaleApr 1, 2021 · Amount on Record
Prior SaleOct 25, 2005 · Amount on Record
Deed Document Number20215900099
Deed Book / Page81 / 682
Last Transfer DateJun 1, 2023
Transfer Doc0005900290
Record UpdatedOct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKENTON KY
Recording DateJun 20, 2023
Property Address364 RIVERBEND DR, LUDLOW, KY 41016-1710
Document Number0005900290
Book / PageKC 231 / 860
Map ReferenceMB C-1234 PG 298
Instrument DateJun 15, 2023
Instrument23062005900290
Transaction TypeTransfer
Record UpdatedJun 30, 2023

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address364 RIVERBEND DR, LUDLOW, KY 41016-1710

April 2021: Deed, Transfer

Document TypeDeed
JurisdictionKENTON KY
Recording DateApr 1, 2021
Property Address364 RIVERBEND DR, LUDLOW, KY 41016-1710
Document Number0005900099
Book / Page81 / 682
Map ReferenceMB C-1234 PG 298
Instrument DateMar 17, 2021
Instrument21040105900099
Transaction TypeTransfer
Record UpdatedJan 18, 2022
Title CompanyPRODIGY TITLE AGENCY INC, PRODIGY TITLE AGENCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$345.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address7617 MONA LN, 7617, SAN DIEGO, CA 92130-5621

Transferred To (Grantee/Buyer)

NameVerified Name
Address364 RIVERBEND DR, LUDLOW, KY 41016-1710

Mortgage

Document Number0005900100
DateApr 1, 2021
Instrument21040105900100
Lender
NameNATIONS RELIABLE LENDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2051

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address364 RIVERBEND DR, LUDLOW, KY 41016-1710
Document Number0000000140
Instrument DateJan 12, 2021
Transaction TypeMortgage
Record UpdatedMay 3, 2021
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address364 RIVERBEND DR LUDLOW KY 410161710, LUDLOW, KY 41016-1710

Mortgage

Document Number0000000140
DateJan 22, 2021
Book Page00M157/000001
Instrument140
Lender
NameNATIONS RELIABLE LNDG
AddressHOUSTON, TX 77027
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJan 21, 2051

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address364 RIVERBEND DR, LUDLOW, KY 41016-1710
Document Number0000000049
Instrument DateOct 31, 2018
Transaction TypeMortgage
Record UpdatedNov 22, 2018
Title CompanyPRIORITY NATIONAL TITLE SERVICES, PRIORITY NAT'L TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address364 RIVERBEND DR LUDLOW KY 410161710, LUDLOW, KY 41016-1710

Mortgage

Document Number0000000049
DateNov 7, 2018
Book Page0C6539/000254
Instrument49
Lender
NameNATIONS RELIABLE LNDG
AddressHOUSTON, TX 77098
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term180 Months
DueNov 6, 2033

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityLudlow City
Unified School DistrictLudlow Independent School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$345,000 (-) Building $345,000$345,000 (-) Building $345,000
2025$4,505.00 (+1.46%)$345,000 (-) Building $345,000$345,000 (-) Building $345,000
2023$4,440.00 (+0.86%)$345,000 (-) Building $345,000$345,000 (-) Building $345,000
2022$4,402.00$345,000 Building $345,000$345,000 Building $345,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 95 locations within half a mile, as of December 31, 2025

ProviderMax 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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