3860 Madison Pike, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 3860 Madison Pike, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 765 sqft · built 1945
Lot Size	0.725 acres (31,581 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Dec 2021)
Tax Bill	$1,148 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`044-10-00-062.00`

Property Details

APN / Parcel Number

Primary APN	`044-10-00-062.00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	765 sqft Finished Area
Gross Area	829 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	31,581 sqft (0.725 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Street Address	3860 MADISON PIKE
City	FT MITCHELL
State	KY
Zip	41017-9705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEERS (JAMES) LOTS 2-3 & PT UNNUM LOT .725 AC NWS OLD MADISON PK
Legal Subdivision	BEERS (JAMES B)
Legal Lot Number	2-3
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2007
Census Tract	65502

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 Record	Individual Name on Record
Mailing Address	3860 MADISON PIKE, FT MITCHELL, KY 41017-9705
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2021	Warranty Deed, Transfer · FHA Mortgage 1ST NATIONAL BANK
Jan 14, 2021	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2021 · Amount on Record
Deed Sale	Dec 17, 2021 · Amount on Record
Prior Sale	Jan 12, 2021 · Amount on Record
Deed Document Number	2021263
Deed Book / Page	137 / 654
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 17, 2021
Property Address	3860 MADISON PIKE, COVINGTON, KY 41017-9705
Document Number	0005900263
Book / Page	137 / 654
Map Reference	MB 2 PG 19
Instrument Date	Dec 15, 2021
Instrument	21121705900263
Transaction Type	Transfer
Record Updated	Jan 5, 2024
Title Company	CINCINNATUS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3860 MADISON PIKE, COVINGTON, KY 41017-9705

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3860 MADISON PIKE, COVINGTON, KY 41017-9705

Mortgage

Document Number	0005900264
Date	Dec 17, 2021
Instrument	21121705900264

Lender

Name	1ST NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jan 14, 2021
Property Address	3860 MADISON PIKE, COVINGTON, KY 41017-9702
Document Number	0000000072
Book / Page	000066 / 000132
Instrument Date	Dec 31, 2020
Instrument	72
Transaction Type	Transfer
Record Updated	Feb 9, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$18.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10489 BLACKSMITH PL FLORENCE KY 410424775, FLORENCE, KY 41042-4775

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Fort Wright City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$115,900 (-) Land $10,000 Building $105,900	$115,900 (-) Land $10,000 Building $105,900
2025	$1,148.00 (-6.29%)	$115,900 (+0.78%) Land $10,000 Building $105,900	$115,900 (+0.78%) Land $10,000 Building $105,900
2023	$1,225.00	$115,000 Land $5,000 Building $110,000	$115,000 Land $5,000 Building $110,000

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	24 (1990–2013)
Claims Outside the SFHA	16 of 24
Most Recent Claim	Jul 2013 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Apr 2011 · 6 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 48 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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