3657 Mills Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3657 Mills Rd, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1960
Lot Size	1.02 acres (44,736 sqft)
Owner	2 Individual Names on File
Last Sale	$173,000 (Sep 2019)
Tax Bill	$2,149 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`072-00-00-039.00`

Property Details

APN / Parcel Number

Primary APN	`072-00-00-039.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,008 sqft Finished Area
Gross Area	1,316 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	44,736 sqft (1.02 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3657 MILLS RD
City	COVINGTON
State	KY
Zip	41015-2476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.0271 ACS M,L KNOWN AS PARCEL B SS MILL RD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2027
Census Tract	65800

Owner

Source: Kenton County records · APN 072-00-00-039.00

Assessment roll updated December 2, 2025 · Last verified April 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	3665 MILLS RD, COVINGTON, KY 41015-2476
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2019	Warranty Deed, Transfer · Conventional with PMI CHURCHILL MTG
Dec 11, 2018	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS
Dec 03, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Dec 11, 2018 · Amount on Record
Deed Document Number	201909 26 059 00365
Deed Book / Page	4335 / 41
Prior Transfer Date	Sep 23, 2019
Prior Transfer Doc	0005900365
Record Updated	Jun 08, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 26, 2019
Property Address	3657 MILLS RD, COVINGTON, KY 41015-2476
Document Number	0000000365
Book / Page	0I4335 / 000041
Instrument Date	Sep 23, 2019
Instrument	365
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3657 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476

Mortgage

Document Number	366
Date	Sep 26, 2019
Book Page	0I4335/000046
Instrument	366

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 11, 2018
Property Address	3657 MILLS RD, COVINGTON, KY 41015-2476
Document Number	0000000279
Book / Page	0I4204 / 000026
Instrument Date	Dec 07, 2018
Instrument	279
Transaction Type	Transfer
Record Updated	Dec 27, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3657 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476

Mortgage

Document Number	282
Date	Dec 11, 2018
Book Page	0I4204/000030
Instrument	282

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2048

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Dec 03, 2018
Property Address	3657 MILLS RD, COVINGTON, KY 41015-2476
Document Number	0000000100
Book / Page	0I4200 / 000072
Instrument Date	Dec 01, 2018
Instrument	100
Transaction Type	Transfer
Record Updated	Dec 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3657 MILLS RD COVINGTON KY 410152476, COVINGTON, KY 41015-2476

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 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	$2,149.00 (-7.85%)	$184,800 (-) Land $35,000 Building $149,800	$184,800 (-) Land $35,000 Building $149,800
2023	$2,332.00	$184,800 Land $20,000 Building $164,800	$184,800 Land $20,000 Building $164,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170658002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Nearby Flood Policies	2 in force

Wildfire

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; 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, availability as of December 31, 2025 · Published October 2026 · based on 76 locations within about half a mile of this property

Provider	Technology	Download / Upload (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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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