Kenton County property record for 3641 Mills Rd, Covington, KY 41015
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 2 ba · 2,201 sqft · built 2004 |
| Lot Size | 15.1 acres (661,546 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $85,000 (Sep 2002) |
| Tax Bill | $2,757 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 060-00-00-029.11 |
| Primary APN | 060-00-00-029.11 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,201 sqft Finished Area |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Lot Area | 661,546 sqft (15.1 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Street Address | 3641 MILLS RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2476 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | 15.1865 ACS SWS MILLS RD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 65800 |
3641 Mills Rd is owned and occupied by two individuals who acquired it in October 2010.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3641 MILLS RD, COVINGTON, KY 41015-2476 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2002 · Amount on File |
| Deed Sale | Sep 17, 2002 · Amount on File |
| Last Transfer Date | Oct 11, 2010 |
| Transfer Doc | 0005900583 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3641 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000005 |
| Instrument Date | Oct 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3641 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476 |
| Document Number | 0000000005 |
|---|---|
| Date | Nov 12, 2020 |
| Book Page | 00M124/000943 |
| Instrument | 5 |
| Name | FCN BK NA BATESVILLE |
|---|---|
| Address | BROOKVILLE, IN 47012 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 11, 2035 |
The 2025 property tax bill for 3641 Mills Rd was $2,757 with a homeowner's exemption.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $286,200 (-) Land $31,200 Building $255,000 | $378,500 (+32.25%) | |
| 2025 | $2,757.00 Homeowner's exemption | $286,200 Land $31,200 Building $255,000 | $286,200 Land $31,200 Building $255,000 |
| 2023 | $2,633.00 Homeowner's exemption | $255,100 Land $30,100 Building $225,000 | $255,100 Land $30,100 Building $225,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3641 Mills Rd in Zone X, an area of minimal flood risk.
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 | 2 in force |
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 3641 Mills Rd 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 | 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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