Kenton County property record for 3645 Mills Rd, Covington, KY 41015 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1 Baths |
| Year Built | Built 1945 |
| Square Footage | 1,058 sqft Finished Area |
| Lot Size | 43,778 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $123,000 (2020) |
| Tax Bill | $1,721.00 (2025) |
Source: Kenton County records · APN 072-00-00-040.01
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3645 MILLS RD, COVINGTON, KY 41015-2476 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 21, 2021 | Intrafamily Transfer, Transfer |
| Mar 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MTG |
| Aug 15, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on Record |
| Deed Sale | Mar 20, 2020 · Amount on Record |
| Prior Sale | Mar 20, 2020 · Amount on Record |
| Deed Doc Number | 0000000455 |
| Deed Book / Page | 000013 / 000414 |
| Last Transfer Date | Jun 21, 2021 |
| Transfer Doc | 0005900056 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 21, 2021 |
| Property Address | 3645 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0005900056 |
| Book / Page | 99 / 11 |
| Instrument Date | Apr 01, 2021 |
| Instrument | 21062105900056 |
| Transaction Type | Transfer |
| Record Updated | Jul 05, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right Of Survivorship |
| Address | 3645 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 20, 2020 |
| Property Address | 3645 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000455 |
| Book / Page | 000013 / 000414 |
| Instrument Date | Mar 18, 2020 |
| Instrument | 455 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | NORTHWEST TITLE AGENCY INC, NORTHWEST TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $123.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3645 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476 |
| Document Number | 456 |
|---|---|
| Date | Mar 20, 2020 |
| Book Page | 000M23/000489 |
| Instrument | 456 |
| Name | CHURCHILL MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRENTWOOD, TN 37027 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 19, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3645 MILLS RD, COVINGTON, KY 41015-2476 |
| Document Number | 0000000131 |
| Instrument Date | Aug 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3645 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476 |
| Document Number | 0000000131 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 0I4353/000032 |
| Instrument | 131 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 28, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
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 | $1,721.00 (-7.82%) | $148,000 (-) Land $35,000 Building $113,000 | $148,000 (-) Land $35,000 Building $113,000 |
| 2023 | $1,867.00 | $148,000 Land $30,000 Building $118,000 | $148,000 Land $30,000 Building $118,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 37% of Kentucky |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 072-00-00-040.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Baths |
| Building Area | 1,058 sqft Finished Area |
| Gross Area | 1,154 sqft Gross Area |
| Stories | 1 Stories |
| Year Built | Built 1945 |
|---|---|
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | Mat/Raft Foundation (Slab) Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,778 sqft (1 acres) |
| Cooling System | Wall Unit Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Old Parcel Number | 0720000040.01 |
|---|---|
| Street Address | 3645 MILLS RD |
| City | COVINGTON |
| State | KY |
| Zip | 41015-2476 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | 1.0049 ACS M,L KNOWN AS PARCEL A SS MILLS RD N OF MARSHALL RD |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 2 |
| Census Block | 2027 |
| Census Tract | 65800 |
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