Kenton County property record for 3909 Pruett Rd, Covington, KY 41015
| Property Type | Other Improved |
|---|---|
| Details | built 2019 |
| Lot Size | 1.83 acres (79,802 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,285 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 073-00-00-051.01 |
| Primary APN | 073-00-00-051.01 |
|---|
| Stories | 1 Story |
|---|
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Metal |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 79,802 sqft (1.83 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Street Address | 3909 PRUETT RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9312 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | 1.8319 ACS SOUTH SIDE PRUETT RD KNOWN AS ID PLAT TRACT #2 |
| Legal Tract | 2 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2028 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3909 PRUETT RD, COVINGTON, KY 41015-9312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 11, 2023 |
| Transfer Doc | 0000000128 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 3909 PRUETT RD, COVINGTON, KY 41015-9312 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3909 PRUETT RD, COVINGTON, KY 41015-9312 |
| Document Number | 0005900267 |
|---|---|
| Date | Sep 27, 2022 |
| Book Page | 410/101 |
| Instrument | 22092705900267 |
| Name | EMERY FCU |
|---|---|
| Type | Credit Union |
| Address | CINCINNATI, OH 45249 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 30, 2037 |
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 | $325,000 (-) Land $47,400 Building $277,600 | $325,000 (-) Land $47,400 Building $277,600 | |
| 2025 | $3,285.00 (+29.13%) Homeowner's exemption | $325,000 (+31.37%) Land $47,400 Building $277,600 | $325,000 (+31.37%) Land $47,400 Building $277,600 |
| 2023 | $2,544.00 Homeowner's exemption | $247,400 Land $47,400 Building $200,000 | $247,400 Land $47,400 Building $200,000 |
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 35 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 |
May also be available: Verizon.
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