Kenton County property record for 3814 Montella Pl, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · built 2019 |
| Lot Size | 0.191 acres (8,351 sqft) |
| Owner | Trust Name on File |
| Last Sale | $264,270 (Nov 2021) |
| Tax Bill | $3,675 (2025) |
| Deeds & Mortgages | Oct 2019 Sale May 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 044-00-02-043.00 |
| Primary APN | 044-00-02-043.00 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Lot Area | 8,351 sqft (0.191 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3814 MONTELLA PL |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-1552 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 43 PHASE C SEC 12A TUSCANY SUBD |
| Legal Subdivision | TUSCANY SUBDIVISION |
| Legal Phase | 12A |
| Legal Lot Number | 43 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 5 |
| Census Block | 5078 |
| Census Tract | 65300 |
3814 Montella Pl is owner-occupied and held in a trust since November 2021.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 3814 MONTELLA PL, FT MITCHELL, KY 41017-1552 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 2, 2019 | Grant Deed, Subdivision Related Transfer HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGCY LTD |
| May 15, 2019 | Loan Modification, Mortgage ATTORNEY ONLY |
| May 9, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on File |
| Deed Sale | Nov 24, 2021 · Amount on File |
| Prior Sale | Nov 24, 2021 · Amount on File |
| Deed Document Number | 2021235 |
| Deed Book / Page | 133 / 286 |
| Record Updated | Oct 29, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 2, 2019 |
| Property Address | 3814 MONTELLA PL, COVINGTON, KY 41017-1552 |
| Document Number | 0000000157 |
| Book / Page | 0I4338 / 000014 |
| Instrument Date | Sep 24, 2019 |
| Instrument | 157 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 22, 2019 |
| Title Company | HOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGCY LTD |
| Amount | Amount on Record |
|---|---|
| Tax | $336.09 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 3814 MONTELLA PL COVINGTON KY 41017, COVINGTON, KY 41017 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3814 MONTELLA PL, COVINGTON, KY 41017-1552 |
| Document Number | 0000000260 |
| Instrument Date | May 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2020 |
| 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 | May 9, 2019 |
| Property Address | 3814 MONTELLA PL, COVINGTON, KY 41017-1552 |
| Document Number | 0000000035 |
| Book / Page | 0I4260 / 000196 |
| Instrument Date | Mar 27, 2019 |
| Instrument | 35 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| 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 |
The 2025 property tax bill for 3814 Montella Pl was $3,675 with a homeowner's exemption.
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 | $420,000 (-) Land $75,000 Building $345,000 | $420,000 (-) Land $75,000 Building $345,000 | |
| 2025 | $3,675.00 Homeowner's exemption | $420,000 Land $50,000 Building $370,000 | $420,000 Land $50,000 Building $370,000 |
| 2023 | $3,982.00 Homeowner's exemption | $420,000 Land $50,000 Building $370,000 | $420,000 Land $50,000 Building $370,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3814 Montella Pl in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2025.
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.
Wildfire risk around 3814 Montella Pl 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 | 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: 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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