Kenton County property record for 3804 Petty Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,490 sqft · built 1982 |
| Lot Size | 4.27 acres (186,393 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,478 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-00-00-044.00 |
| Primary APN | 073-00-00-044.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,490 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 186,393 sqft (4.27 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3804 PETTY RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PARROTT LOT 5 4.2788 ACS |
| Legal Subdivision | PARROTT |
| Legal Lot Number | 5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 65900 |
3804 Petty Rd is owned and occupied by two individuals who acquired it in July 2023.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3804 PETTY RD, COVINGTON, KY 41015-9313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Jul 25, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 14, 2023 |
| Transfer Doc | 0005900270 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3804 PETTY RD, COVINGTON, KY 41015-9313 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3804 PETTY RD, COVINGTON, KY 41015-9313 |
| Document Number | 0005900111 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | KCM 712/508 |
| Instrument | 25120205900111 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 352 Months |
| Due | Apr 1, 2055 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 25, 2023 |
| Property Address | 3804 PETTY RD, COVINGTON, KY 41015-9313 |
| Document Number | 0005900270 |
| Book / Page | KC 237 / 542 |
| Map Reference | PL B-680 |
| Instrument Date | Jul 14, 2023 |
| Instrument | 23072505900270 |
| Transaction Type | Transfer |
| Record Updated | Aug 4, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3804 PETTY RD, COVINGTON, KY 41015-9313 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3804 PETTY RD, COVINGTON, KY 41015-9313 |
| Document Number | 0005900271 |
|---|---|
| Date | Jul 25, 2023 |
| Instrument | 23072505900271 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
The 2025 property tax bill for 3804 Petty Rd was $5,478.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $460,000 (-) Land $55,000 Building $405,000 | $460,000 (-) Land $55,000 Building $405,000 | |
| 2025 | $5,478.00 | $460,000 Land $55,000 Building $405,000 | $460,000 Land $55,000 Building $405,000 |
| 2023 | $4,109.00 (-2%) | $324,600 (-) Land $42,700 Building $281,900 | $324,600 (-) Land $42,700 Building $281,900 |
| 2022 | $4,193.00 | $324,600 Land $42,700 Building $281,900 | $324,600 Land $42,700 Building $281,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3804 Petty Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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.
Wildfire risk around 3804 Petty Rd is low, with a 0.01% annual chance of wildfire.
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: 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 23 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures