Kenton County property record for 3836 Petty Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,338 sqft · built 2016 |
| Lot Size | 2.7 acres (117,612 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $70,000 (Nov 2013) |
| Tax Bill | $4,236 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-00-00-046.00 |
| Primary APN | 073-00-00-046.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,338 sqft Finished Area |
| Gross Area | 2,117 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 117,612 sqft (2.7 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Old Parcel Number | 0730000046.00 |
|---|---|
| Street Address | 3836 PETTY RD |
| City | COVINGTON |
| State | KY |
| Zip | 41015-9313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 2.7 AC NS PETTY RD 500 FT WEST OF PRUETT RD |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 65900 |
Source: Kenton County records · APN 073-00-00-046.00
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 Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 3836 PETTY RD, COVINGTON, KY 41015-9313 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Apr 03, 2023 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| May 10, 2021 | Deed of Trust, Mortgage GUARDIAN SAVINGS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 12, 2013 · Amount on Record |
| Deed Sale | Nov 12, 2013 · Amount on Record |
| Deed Document Number | 0003367148 |
| Deed Book / Page | 3367 / 148 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3836 PETTY RD, COVINGTON, KY 41015-9313 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3836 PETTY RD, COVINGTON, KY 41015-9313 |
| Document Number | 0005900083 |
|---|---|
| Date | Apr 03, 2023 |
| Book Page | KCM 450/800 |
| Instrument | 23040305900083 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 07, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3836 PETTY RD, COVINGTON, KY 41015-9313 |
| Transaction Type | Mortgage |
| Record Updated | Jun 03, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900247 |
|---|---|
| Date | May 10, 2021 |
| Book Page | 213/634 |
| Instrument | 21051005900247 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 240 Months |
| Due | May 01, 2041 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,236.00 (-5.93%) | $355,700 (-) Land $55,000 Building $300,700 | $355,700 (-) Land $55,000 Building $300,700 |
| 2023 | $4,503.00 | $355,700 Land $25,700 Building $330,000 | $355,700 Land $25,700 Building $330,000 |
Source: FEMA National Flood Hazard Layer as of June 19, 2015 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 23 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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