Kenton County property record for 3800 Montella Pl, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · built 2019 |
| Owner | Individual Name on Record |
| Last Sale | $327,514 (Sep 2019) |
| Tax Bill | $3,279 (2025) |
| Deeds & Mortgages | Apr 2021 Line of Credit Sep 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-00-02-040.00 |
| Primary APN | 044-00-02-040.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Stone |
| Foundation Type | Concrete |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 3800 MONTELLA PL |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41017-1550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 40 PHASE C SEC 12A TUSCANY SUBD |
| Legal Subdivision | TUSCANY SUBDIVISION |
| Legal Phase | 12A |
| Legal Lot Number | 40 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 5 |
| Census Block | 5078 |
| Census Tract | 65300 |
Source: Kenton County records, as of November 27, 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 Record |
|---|---|
| Mailing Address | 3800 MONTELLA PL, COVINGTON, KY 41017-1550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Sep 18, 2019 | Grant Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY CMNTY BK |
| Apr 16, 2019 | Loan Modification, Mortgage ATTORNEY ONLY |
| Apr 15, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 18, 2019 · Amount on Record |
| Deed Sale | Sep 18, 2019 · Amount on Record |
| Prior Sale | Apr 15, 2019 · Amount on Record |
| Deed Document Number | 0004329312 |
| Deed Book / Page | 4329 / 312 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3800 MONTELLA PL, COVINGTON, KY 41017-1550 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3800 MONTELLA PL, FT MITCHELL, KY 41017-1550 |
| Document Number | 0005900133 |
|---|---|
| Date | Apr 15, 2021 |
| Book Page | 201/799 |
| Instrument | 21041505900133 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 25, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 18, 2019 |
| Property Address | 3800 MONTELLA PL, COVINGTON, KY 41017-1550 |
| Document Number | 0000000142 |
| Book / Page | 0I4329 / 000312 |
| Instrument Date | Sep 11, 2019 |
| Instrument | 142 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 18, 2019 |
| Title Company | HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGCY LP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $327.51 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3800 MONTELLA PL COVINGTON KY 41017, COVINGTON, KY 41017 |
| Document Number | 143 |
|---|---|
| Date | Sep 18, 2019 |
| Book Page | 0I4329/000315 |
| Instrument | 143 |
| Name | VICTORY CMNTY BK |
|---|---|
| Type | Bank |
| Address | FORT MITCHELL, KY 41017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3800 MONTELLA PL, COVINGTON, KY 41017-1550 |
| Document Number | 0000000006 |
| Instrument Date | Apr 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3940 OLYMPIC BLVD #100 ERLANGER KY 410181025, 100, ERLANGER, KY 41018-1025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 15, 2019 |
| Property Address | 3800 MONTELLA PL, COVINGTON, KY 41017-1550 |
| Document Number | 0000000045 |
| Book / Page | ORI424 / 000259 |
| Instrument Date | Mar 19, 2019 |
| Instrument | 45 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $99.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3940 OLYMPIC BLVD #100 ERLANGER KY 410181025, 100, ERLANGER, KY 41018-1025 |
| Investor | Possibly a Property Investor |
Source: Kenton County assessment roll, as of April 1, 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 |
|---|---|---|---|
| 2025 | $3,279.00 (-7.79%) Homeowner's exemption | $380,000 (-) Land $50,000 Building $330,000 | $380,000 (-) Land $50,000 Building $330,000 |
| 2023 | $3,556.00 Homeowner's exemption | $380,000 Land $50,000 Building $330,000 | $380,000 Land $50,000 Building $330,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (2025) |
| Most Recent Claim | Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 3,000 / 3,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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