3973 Pruett Rd, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 3973 Pruett Rd, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,099 sqft · built 2005
Lot Size	1.03 acres (44,954 sqft)
Owner	2 Company Names on File
Last Sale	$136,000 (Jun 2005)
Tax Bill	$1,323 (2025)
Deeds & Mortgages	May 2022 Mortgage Nov 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`073-00-00-054.00`

Property Details

APN / Parcel Number

Primary APN	`073-00-00-054.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,099 sqft Finished Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Lot Area	44,954 sqft (1.03 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	3973 PRUETT RD
City	COVINGTON
State	KY
Zip	41015-9312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.0318 ACS ON SS PRUETT ROAD
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	2
Census Block	2028
Census Tract	65900

Owner

3973 Pruett Rd is owned by a company that acquired it in February 2025.

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

Owner of Record	2 Company Names on File
Mailing Address	3973 PRUETT RD, COVINGTON, KY 41015-9312
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK
Nov 15, 2017	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2005 · Amount on File
Deed Sale	Jun 27, 2005 · Amount on File
Deed Document Number	200506 27 059 00169
Deed Book / Page	1640 / 61
Last Transfer Date	Feb 12, 2025
Transfer Doc	0000000083
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3973 PRUETT RD, COVINGTON, KY 41015-9312
Transaction Type	Mortgage
Record Updated	May 19, 2022
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900210
Date	May 4, 2022
Book Page	367/686
Instrument	22050405900210

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	3973 PRUETT RD, COVINGTON, KY 41015-9312
Document Number	0000000145
Book / Page	0I4042 / 000306
Instrument Date	Nov 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3973 PRUETT RD COVINGTON KY 410159312, COVINGTON, KY 41015-9312

Mortgage

Document Number	0000000145
Date	Dec 15, 2017
Book Page	0I4042/000306
Instrument	145

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 14, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3973 Pruett Rd was $1,323.

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

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$160,200 (-) Land $30,000 Building $130,200	$160,200 (-) Land $30,000 Building $130,200
2025	$1,323.00	$160,200 Land $30,000 Building $130,200	$160,200 Land $30,000 Building $130,200
2023	$1,967.00	$155,400 Land $10,400 Building $145,000	$155,400 Land $10,400 Building $145,000

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

Flood

FEMA maps place 3973 Pruett Rd in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 3973 Pruett Rd is low, with a 0.01% annual chance of 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 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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