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3804 Montella Pl, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3804 Montella Pl, Covington, KY 41017

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · built 2019
OwnerIndividual Name on File
Last Sale$315,347 (Sep 2019)
Tax Bill$2,783 (2025)
Deeds & MortgagesSep 2019 Sale & Mortgage
Apr 2019 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN044-00-02-041.00

Property Details

APN / Parcel Number

Primary APN044-00-02-041.00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story

Exterior

Year BuiltBuilt 2019
Exterior MaterialStone
Foundation TypeConcrete
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air
Heating FuelGas

Location & Zoning

Street Address3804 MONTELLA PL
CityCOVINGTON
StateKY
Zip41017-1550
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 41 PHASE C SEC 12A TUSCANY SUBD
Legal SubdivisionTUSCANY SUBDIVISION
Legal Phase12A
Legal Lot Number41
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group5
Census Block5078
Census Tract65300

Owner

Source: Kenton County records · APN 044-00-02-041.00

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 RecordIndividual Name on File
Mailing Address3804 MONTELLA PL, COVINGTON, KY 41017-1550
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Sep 09, 2019Grant Deed, Subdivision Related Transfer · Conventional Mortgage
BANK OF AMERICA
Apr 16, 2019Loan Modification, Mortgage
ATTORNEY ONLY
Apr 15, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 09, 2019 · Amount on Record
Deed SaleSep 09, 2019 · Amount on Record
Prior SaleApr 15, 2019 · Amount on Record
Deed Document Number0000432524
Deed Book / Page4325 / 24
Record UpdatedJun 08, 2026

September 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateSep 09, 2019
Property Address3804 MONTELLA PL, COVINGTON, KY 41017-1550
Document Number0000000274
Book / Page0I4325 / 000024
Instrument DateAug 30, 2019
Instrument274
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 18, 2019
Title CompanyHOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGCY LTD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$315.35
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3804 MONTELLA PL COVINGTON KY 41017, COVINGTON, KY 41017

Mortgage

Document Number276
DateSep 09, 2019
Book Page0I4325/000027
Instrument276
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 08, 2049

April 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKENTON KY
Property Address3804 MONTELLA PL, COVINGTON, KY 41017-1550
Document Number0000000006
Instrument DateApr 16, 2019
Transaction TypeMortgage
Record UpdatedSep 20, 2019
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3940 OLYMPIC BLVD #100 ERLANGER KY 410181025, 100, ERLANGER, KY 41018-1025

April 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateApr 15, 2019
Property Address3804 MONTELLA PL, COVINGTON, KY 41017-1550
Document Number0000000045
Book / PageORI424 / 000259
Instrument DateMar 19, 2019
Instrument45
Transaction TypeTransfer
Record UpdatedSep 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$99.00
Amount AccuracyConfirmed
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3940 OLYMPIC BLVD #100 ERLANGER KY 410181025, 100, ERLANGER, KY 41018-1025
InvestorPossibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,783.00 (-7.94%) Homeowner's exemption$330,000 (-) Land $49,500 Building $280,500$330,000 (-) Land $49,500 Building $280,500
2023$3,023.00 Homeowner's exemption$330,000 Land $49,500 Building $280,500$330,000 Land $49,500 Building $280,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170653005, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 in force
Nearby Flood Claims2 (2025)
Most Recent ClaimApr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event
  • Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 2 claims

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Cincinnati Bell
Fiber		3,000 / 3,000
Spectrum
Fiber		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Based on FCC filings for 153 locations within half a mile of this property.

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