Kenton County property record for 3850 Petty Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,072 sqft · built 1945 |
| Lot Size | 1.11 acres (48,352 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $183,700 (Jun 2022) |
| Tax Bill | $2,535 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Nov 2021 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-00-00-049.00 |
| Primary APN | 073-00-00-049.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,072 sqft Finished Area |
| Gross Area | 1,616 sqft |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 48,352 sqft (1.11 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 3850 PETTY RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9313 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.11 AC NS PETTY RD 400 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, 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 Record | Individual Name on Record |
|---|---|
| Mailing Address | 3850 PETTY RD, COVINGTON, KY 41015-9313 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2022 | Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Nov 17, 2021 | Deed, Transfer KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2022 · Amount on Record |
| Deed Sale | Jun 1, 2022 · Amount on Record |
| Prior Sale | Nov 17, 2021 · Amount on Record |
| Deed Document Number | 2022256 |
| Deed Book / Page | 168 / 576 |
| Prior Transfer Date | May 26, 2022 |
| Prior Transfer Doc | 0005900256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 1, 2022 |
| Property Address | 3850 PETTY RD, COVINGTON, KY 41015-9313 |
| Document Number | 0005900256 |
| Book / Page | 168 / 576 |
| Instrument Date | May 25, 2022 |
| Instrument | 22060105900256 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2022 |
| Title Company | KENTUCKY LAND TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $184.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 3888 PETTY RD, 3888, COVINGTON, KY 41015-9313 |
| Name | Verified Name |
|---|---|
| Address | 3850 PETTY RD, COVINGTON, KY 41015-9313 |
| Document Number | 0005900257 |
|---|---|
| Date | Jun 1, 2022 |
| Book Page | 375/295 |
| Instrument | 22060105900257 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 17, 2021 |
| Property Address | 3850 PETTY RD, COVINGTON, KY 41015-9313 |
| Document Number | 0005900227 |
| Book / Page | 131 / 752 |
| Instrument Date | Nov 10, 2021 |
| Instrument | 21111705900227 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $238.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 79 CARRIE WAY DR, 79, INDEPENDENCE, KY 41051-9211 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 3888 PETTY RD, COVINGTON, KY 41015-9313 |
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 | $212,900 (-) Land $30,000 Building $182,900 | $212,900 (-) Land $30,000 Building $182,900 | |
| 2025 | $2,535.00 (-5.94%) | $212,900 (-) Land $30,000 Building $182,900 | $212,900 (-) Land $30,000 Building $182,900 |
| 2023 | $2,695.00 | $212,900 Land $15,000 Building $197,900 | $212,900 Land $15,000 Building $197,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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