3789 Petty Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3789 Petty Rd, Covington, KY 41015 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,108 sqft · built 1989
Lot Size	2.38 acres (103,673 sqft)
Owner	2 Individual Names on File
Last Sale	$147,000 (Jan 2017)
Tax Bill	$4,168 (2025)
Deeds & Mortgages	Aug 2021 Mortgage May 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`073-00-00-037.00`

Property Details

APN / Parcel Number

Primary APN	`073-00-00-037.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,108 sqft Finished Area
Gross Area	1,488 sqft

Exterior

Year Built	Built 1989
Exterior Material	Stone
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	103,673 sqft (2.38 acres)
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0730000037.00
Street Address	3789 PETTY RD
City	COVINGTON
State	KY
Zip	41015-9314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.38 AC SS PETTY RD 1000 FT WEST OF PRUETT RD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2028
Census Tract	65900

Owner

Source: Kenton County records · APN 073-00-00-037.00

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	2 Individual Names on File
Mailing Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage HEARTLAND BANK
May 01, 2020	Deed of Trust, Mortgage · Conventional with PMI VICTORY CMNTY BK
May 14, 2019	Deed of Trust, Mortgage · Line of Credit VICTORY CMNTY BK
May 25, 2018	Deed of Trust, Mortgage VICTORY CMNTY BK
Apr 13, 2018	Loan Modification, Mortgage VICTORY CMNTY BK
Jul 20, 2017	Trustee's Deed, Construction Loan · Line of Credit VICTORY CMNTY BK
Jan 17, 2017	Warranty Deed, Transfer · Conventional Mortgage VICTORY CMNTY BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 17, 2017 · Amount on Record
Deed Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	0003885149
Deed Book / Page	3885 / 149
Prior Transfer Date	Jan 04, 1996
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Transaction Type	Mortgage
Record Updated	Aug 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900270
Date	Aug 10, 2021
Book Page	254/131
Instrument	21081005900270

Lender

Name	HEARTLAND BANK
Type	Bank
Address	COLUMBUS, OH 43213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Document Number	0000000007
Instrument Date	May 01, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3789 PETTY RD COVINGTON KY 410159314, COVINGTON, KY 41015-9314

Mortgage

Document Number	0000000007
Date	May 08, 2020
Book Page	000M41/000809
Instrument	7

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 07, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Document Number	0000000187
Instrument Date	May 14, 2019
Transaction Type	Mortgage
Record Updated	Jun 18, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3789 PETTY RD COVINGTON KY 410159314, COVINGTON, KY 41015-9314

Mortgage

Document Number	0000000187
Date	Jun 03, 2019
Book Page	0I4272/000094
Instrument	187

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 02, 2029

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Document Number	0000000068
Instrument Date	May 25, 2018
Transaction Type	Mortgage
Record Updated	Jun 22, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3789 PETTY RD COVINGTON KY 410159314, COVINGTON, KY 41015-9314

Mortgage

Document Number	0000000068
Date	Jun 05, 2018
Book Page	0I4115/000208
Instrument	68

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 04, 2048

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KENTON KY
Property Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Document Number	0000000137
Instrument Date	Apr 13, 2018
Transaction Type	Mortgage
Record Updated	Apr 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3789 PETTY RD COVINGTON KY 410159314, COVINGTON, KY 41015-9314

Mortgage

Document Number	0000000137
Date	Apr 19, 2018
Book Page	0I4095/000234
Instrument	137

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Apr 18, 2019

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2017
Property Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Book / Page	003972 / 000105
Instrument Date	Jul 14, 2017
Instrument	37
Transaction Type	Construction Loan
Record Updated	Jan 03, 2018
Title Company	HOMESTEAD TITLE COMPANY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife

Mortgage

Document Number	0000000037
Date	Jul 20, 2017
Book Page	003972/000105
Instrument	37

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 19, 2018

Interest

Rate Type	Adjustable Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jan 17, 2017
Property Address	3789 PETTY RD, COVINGTON, KY 41015-9314
Document Number	0000000071
Book / Page	0I3885 / 000149
Instrument Date	Jan 09, 2017
Instrument	71
Transaction Type	Transfer
Record Updated	May 12, 2017
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$147.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3789 PRUETT RD COVINGTON KY 41015, COVINGTON, KY 41015

Mortgage

Document Number	72
Date	Jan 17, 2017
Book Page	0I3885/000152
Instrument	72

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 16, 2032

Mortgage

Document Number	49,
Date	Jan 17, 2017
Book Page	0I3902/000274
Instrument	49

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 16, 2032

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

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	$4,168.00 (-5.94%)	$350,000 (-) Land $50,000 Building $300,000	$350,000 (-) Land $50,000 Building $300,000
2023	$4,431.00	$350,000 Land $44,600 Building $305,400	$350,000 Land $44,600 Building $305,400

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 211170659002, 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
Nearby Flood Policies	1 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 23 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

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

Mobile Coverage

5G and 4G LTE

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