Kenton County property record for 413 Olivia Ln, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,616 sqft · built 1958 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $214,000 (Aug 2019) |
| Tax Bill | $2,425 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042-10-00-264.01 |
| Primary APN | 042-10-00-264.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,616 sqft Finished Area |
| Gross Area | 1,666 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 413 OLIVIA LN |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KREUTZJANS ADDN TO FT WRIGHT BLK C SEC III NW 75' LOT 49 WS OLIVIA LN |
| Legal Subdivision | KREUTZJANS GEO |
| Legal Phase | C |
| Legal Block | C |
| Legal Lot Number | 49 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 65200 |
413 Olivia Ln is owned and occupied by two individuals who acquired it in December 2024.
Source: Kenton County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 OLIVIA LN, COVINGTON, KY 41011-3633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Apr 16, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FED'L |
| Aug 19, 2019 | Grant Deed, Transfer · Conventional Mortgage AMERICAN MTG SVC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2019 · Amount on File |
| Deed Sale | Aug 19, 2019 · Amount on File |
| Prior Sale | May 5, 2015 · Amount on File |
| Deed Document Number | 201908 19 059 00285 |
| Deed Book / Page | 6733 / 130 |
| Last Transfer Date | Dec 25, 2024 |
| Transfer Doc | 0005900123 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 413 OLIVIA LN, COVINGTON, KY 41011-3633 |
| Document Number | 0000000016 |
| Instrument Date | Apr 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2020 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 413 OLIVIA LN COVINGTON KY 410113633, COVINGTON, KY 41011-3633 |
| Document Number | 0000000016 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 000035/000019 |
| Instrument | 16 |
| Name | CINCINNATI FED'L |
|---|---|
| Address | CINCINNATI, OH 45247 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 21, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 19, 2019 |
| Property Address | 413 OLIVIA LN, COVINGTON, KY 41011-3633 |
| Document Number | 0000000285 |
| Book / Page | 0C6733 / 000130 |
| Instrument Date | Aug 16, 2019 |
| Instrument | 285 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2019 |
| Title Company | KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $214.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 413 OLIVIA LN COVINGTON KY 410113633, COVINGTON, KY 41011-3633 |
| Document Number | 286 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 0C6733/000133 |
| Instrument | 286 |
| Name | AMERICAN MTG SVC |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45246 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 18, 2049 |
The 2025 property tax bill for 413 Olivia Ln was $2,425.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Wright City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $244,800 (-) Land $55,000 Building $189,800 | $244,800 (-) Land $55,000 Building $189,800 | |
| 2025 | $2,425.00 | $244,800 Land $55,000 Building $189,800 | $244,800 Land $55,000 Building $189,800 |
| 2023 | $2,281.00 | $214,000 Land $45,000 Building $169,000 | $214,000 Land $45,000 Building $169,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 Olivia Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 19, 2015
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 413 Olivia Ln 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 | None beyond ember reach |
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 252 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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