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3818 Montella Pl, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3818 Montella Pl, Covington, KY 41017

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · built 2019
Lot Size0.151 acres (6,599 sqft)
OwnerIndividual Name on Record
Last Sale$318,020 (Oct 2019)
Tax Bill$3,452 (2025)
Deeds & MortgagesJan 2021 Sale
Oct 2019 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN044-00-02-044.00

Property Details

APN / Parcel Number

Primary APN044-00-02-044.00

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story

Exterior

Year BuiltBuilt 2019
Effective Year BuiltEffective 2019
Exterior MaterialStone
Foundation TypeConcrete
Lot Area6,599 sqft (0.151 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address3818 MONTELLA PL
CityFT MITCHELL
StateKY
Zip41017-1552
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 44 PHASE C SEC 12A TUSCANY SUBD
Legal SubdivisionTUSCANY SUBDIVISION
Legal Phase12A
Legal Lot Number44
JurisdictionKENTON KY
Township / Civil DivisionCOVINGTON
Census Block Group5
Census Block5078
Census Tract65300

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address3818 MONTELLA PL, FT MITCHELL, KY 41017-1552
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 25, 2021Warranty Deed, Transfer
ATTORNEY ONLY
Oct 11, 2019Grant Deed, Subdivision Related Transfer · Conventional Mortgage
VICTORY CMNTY BK
May 15, 2019Loan Modification, Mortgage
ATTORNEY ONLY
May 13, 2019Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleOct 11, 2019 · Amount on Record
Deed SaleOct 11, 2019 · Amount on Record
Prior SaleMay 13, 2019 · Amount on Record
Deed Document Number201910 11 059 00263
Deed Book / Page4343 / 160
Record UpdatedOct 29, 2026

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJan 25, 2021
Property Address3818 MONTELLA PL, COVINGTON, KY 41017-1552
Document Number0000000236
Book / Page00KC68 / 000230
Instrument DateJan 11, 2021
Instrument236
Transaction TypeTransfer
Record UpdatedMay 4, 2021
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$66.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address3940 OLYMPIC BLVD #400 ERLANGER KY 41018, 400, ERLANGER, KY 41018

October 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateOct 11, 2019
Property Address3818 MONTELLA PL, COVINGTON, KY 41017-1552
Document Number0000000263
Book / Page004343 / 000160
Instrument DateOct 7, 2019
Instrument263
Transaction TypeSubdivision Related Transfer
Record UpdatedNov 1, 2019
Title CompanyHOMESTEAD TITLE AGENCY LIMITED, HOMESTEAD TITLE AGCY LTD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$318.02
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3818 MONTELLA PL COVINGTON KY 41017, COVINGTON, KY 41017

Mortgage

Document Number265
DateOct 11, 2019
Book Page004343/000163
Instrument265
Lender
NameVICTORY CMNTY BK
TypeBank
AddressFORT MITCHELL, KY 41017
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 10, 2049

May 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKENTON KY
Property Address3818 MONTELLA PL, COVINGTON, KY 41017-1552
Document Number0000000260
Instrument DateMay 15, 2019
Transaction TypeMortgage
Record UpdatedJul 17, 2020
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

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateMay 13, 2019
Property Address3818 MONTELLA PL, COVINGTON, KY 41017-1552
Document Number0000000084
Book / Page0I4261 / 000252
Instrument DateMar 27, 2019
Instrument84
Transaction TypeTransfer
Record UpdatedSep 20, 2019
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$49.50
Amount AccuracyConfirmed
Additional
  • Arm's Length

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 assessment roll, as of December 2, 2025

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$397,500 (-) Land $75,000 Building $322,500$397,500 (-) Land $75,000 Building $322,500
2025$3,452.00 (-7.75%) Homeowner's exemption$397,500 (-) Land $50,000 Building $347,500$397,500 (-) Land $50,000 Building $347,500
2023$3,742.00 Homeowner's exemption$397,500 Land $50,000 Building $347,500$397,500 Land $50,000 Building $347,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

ProviderMax 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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