Kenton County property record for 38 Otter Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,358 sqft · built 2000 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Company Name on Record |
| Last Sale | $15,000 (Dec 2000) |
| Tax Bill | $2,253 (2025) |
| Deeds & Mortgages | Nov 2021 Construction Loan Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-01-008.00 |
| Primary APN | 045-30-01-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,358 sqft Finished Area |
| Gross Area | 1,772 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 38 OTTER DR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9390 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 2 LOT 8 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 2 |
| Legal Lot Number | 8 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 66801 |
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 3333 MADISON PIKE, C, FT MITCHELL, KY 41017-8184 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 8, 2021 | Deed of Trust, Mortgage · Construction Mortgage CENTRAL BANK & TRUST CO |
| Nov 8, 2021 | Deed of Trust, Mortgage · Commercial Mortgage CENTRAL BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 28, 2000 · Amount on Record |
| Deed Sale | Dec 28, 2000 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 38 OTTER DR, COVINGTON, KY 41017-9390 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900165 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 129/718 |
| Instrument | 21110805900165 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 3, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 38 OTTER DR, COVINGTON, KY 41017-9390 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900164 |
|---|---|
| Date | Nov 8, 2021 |
| Book Page | 298/270 |
| Instrument | 21110805900164 |
| Name | CENTRAL BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 3, 2026 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $238,000 (+4.66%) Land $35,000 Building $203,000 | $238,000 (+4.66%) Land $35,000 Building $203,000 | |
| 2025 | $2,253.00 (-7.05%) | $227,400 (-) Land $25,000 Building $202,400 | $227,400 (-) Land $25,000 Building $202,400 |
| 2023 | $2,424.00 | $227,400 Land $25,000 Building $202,400 | $227,400 Land $25,000 Building $202,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 320 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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