3668 Mills Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3668 Mills Rd, Covington, KY 41015 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 1,910 sqft · built 2006
Lot Size	2.07 acres (90,561 sqft)
Owner	2 Individual Names on File
Last Sale	$550,000 (Sep 2021)
Tax Bill	$6,396 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`072-00-00-041.02`

Property Details

APN / Parcel Number

Primary APN	`072-00-00-041.02`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,910 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Brick
Lot Area	90,561 sqft (2.07 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	3668 MILLS RD
City	COVINGTON
State	KY
Zip	41015-2476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.079 ACS NWC MILLS RD & MARSHALL RD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1026
Census Tract	65800

Owner

Source: Kenton County records · APN 072-00-00-041.02

Assessment roll updated December 2, 2025 · Last verified May 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	3668 MILLS RD, COVINGTON, KY 41015-2476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2021	Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE SERVICE CO
May 08, 2017	Deed of Trust, Mortgage · Line of Credit HIGH CREEK TERRACE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 28, 2021 · Amount on Record
Deed Sale	Sep 28, 2021 · Amount on Record
Prior Sale	Jul 07, 2005 · Amount on Record
Deed Document Number	20215900199
Deed Book / Page	120 / 972
Prior Transfer Date	Oct 18, 2013
Prior Transfer Doc	0005900166
Record Updated	Jun 08, 2026

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Sep 28, 2021
Property Address	3668 MILLS RD, COVINGTON, KY 41015-2476
Document Number	0005900199
Book / Page	120 / 972
Instrument Date	Sep 24, 2021
Instrument	21092805900199
Transaction Type	Transfer
Record Updated	Oct 06, 2021
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6469 MARILYN AVE, 6469, INDEPENDENCE, KY 41051-9376

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3668 MILLS RD, COVINGTON, KY 41015-2476

Mortgage

Document Number	0005900200
Date	Sep 28, 2021
Instrument	21092805900200

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3668 MILLS RD, COVINGTON, KY 41015-2476
Document Number	0000000057
Instrument Date	May 08, 2017
Transaction Type	Mortgage
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3668 MILLS RD INDEPENDENCE KY 41051, INDEPENDENCE, KY 41051

Mortgage

Document Number	0000000057
Date	Aug 27, 2018
Book Page	0I4154/000154
Instrument	57

Lender

Name	HIGH CREEK TERRACE LLC
Address	2362 GRANDVIEW DR, FORT MITCHELL, KY 41017-1633

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Independence City
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	$6,396.00 (-7.85%)	$550,000 (-) Land $40,000 Building $510,000	$550,000 (-) Land $40,000 Building $510,000
2023	$6,941.00	$550,000 Land $40,000 Building $510,000	$550,000 Land $40,000 Building $510,000

Flood & Wildfire

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

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

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; 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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