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42 Otter Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 42 Otter Dr, Covington, KY 41017

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 976 sqft · built 1999
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Last Sale$168,900 (Jul 2019)
Tax Bill$2,092 (2025)
Deeds & MortgagesJul 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN045-30-01-009.00

Property Details

APN / Parcel Number

Primary APN045-30-01-009.00

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Building Area976 sqft Finished Area

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Architectural StyleBi-Level
Exterior MaterialBrick
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area12,197 sqft (0.28 acres)
Garage TypeBasement
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Street Address42 OTTER DR
CityFT MITCHELL
StateKY
Zip41017-9390
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCUMBERLAND RIDGE SEC 1 LOT 9
Legal SubdivisionCUMBERLAND RIDGE
Legal Phase1
Legal Lot Number9
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group1
Census Block1021
Census Tract66801

Owner

42 Otter Dr is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record2 Individual Names on File
Mailing Address42 OTTER DR, FT MITCHELL, KY 41017-9390
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 22, 2019 · Amount on File
Deed SaleJul 22, 2019 · Amount on File
Prior SaleMar 18, 2011 · Amount on File
Deed Document Number201907 22 059 00221
Deed Book / Page4297 / 266
Record UpdatedOct 29, 2026

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKENTON KY
Recording DateJul 22, 2019
Property Address42 OTTER DR, COVINGTON, KY 41017-9390
Document Number0000000221
Book / Page0I4297 / 000266
Instrument DateJul 18, 2019
Instrument221
Transaction TypeTransfer
Record UpdatedAug 28, 2019
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$168.90
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address42 OTTER DR COVINGTON KY 410179390, COVINGTON, KY 41017-9390

Mortgage

Document Number223
DateJul 22, 2019
Book Page0I4297/000270
Instrument223
Lender
NameCHURCHILL MTG
TypeMortgage Company
AddressBRENTWOOD, TN 37027
Agreement
TypeConventional with PMI
AmountAmount on Record
Term360 Months
DueJul 21, 2049

Mortgage

Document Number225,
DateJul 22, 2019
Book Page0I4297/000286
Instrument225
Lender
NameKENTUCKY HSNG
AddressFRANKFORT, KY 40601
Agreement
AmountAmount on Record
Term120 Months
DueJul 21, 2029
Interest
Rate12%

Tax Assessment & Valuation

The 2025 property tax bill for 42 Otter Dr was $2,092.

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

Property Jurisdictions

TypeName
StateKentucky
CountyKenton County
MunicipalityCovington City
Unified School DistrictKenton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$211,100 (-) Land $35,000 Building $176,100$211,100 (-) Land $35,000 Building $176,100
2025$2,092.00$211,100 Land $25,000 Building $186,100$211,100 Land $25,000 Building $186,100
2023$2,250.00$211,100 Land $25,000 Building $186,100$211,100 Land $25,000 Building $186,100

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

Flood

FEMA maps place 42 Otter Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 42 Otter Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemNORTHERN KENTUCKY WATER DISTRICT
serves 259,949 people · EPA ID KY0590220
Water SourceSurface water
Last State InspectionOct 2023
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 320 locations within half a mile, as of December 31, 2025

ProviderMax 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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