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4385 Siffel Ct, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 4385 Siffel Ct, Covington, KY 41017

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,579 sqft · built 1997
Lot Size0.2 acres (8,712 sqft)
Owner2 Individual Names on File
Last Sale$124,000 (Jan 2017)
Tax Bill$2,135 (2025)
Deeds & MortgagesMay 2021 Mortgage
Oct 2017 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN045-10-01-123.00

Property Details

APN / Parcel Number

Primary APN045-10-01-123.00

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,579 sqft Finished Area
Gross Area2,039 sqft

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialAluminum/Vinyl
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area8,712 sqft (0.2 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address4385 SIFFEL CT
CityCOVINGTON
StateKY
Zip41017-9203
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFOWLER RIDGE SEC 4 LOT 123
Legal SubdivisionFOWLER RIDGE
Legal Phase4
Legal Lot Number123
JurisdictionKENTON KY
Township / Civil DivisionINDEPENDENCE
Census Block Group1
Census Block1006
Census Tract66801

Owner

4385 Siffel Ct is owned by two individuals who bought it in January 2017.

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

Owner of Record2 Individual Names on File
Mailing Address4382 SIFFEL CT, COVINGTON, KY 41017-9202
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

DateDocument
May 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
DISCOVER BANK
Oct 23, 2017Grant Deed, Transfer
ATTORNEY ONLY
Sep 12, 2017Deed of Trust, Mortgage · FHA Mortgage
1ST ALLIANCE LNDG
Jan 6, 2017Grant Deed, Transfer · FHA Mortgage
1ST ALLIANCE LNDG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 6, 2017 · Amount on File
Deed SaleJan 6, 2017 · Amount on File
Prior SaleSep 29, 2016 · Amount on File
Deed Document Number201701 06 059 00160
Deed Book / Page3882 / 86
Prior Transfer DateFeb 26, 2010
Prior Transfer Doc0005900161
Record UpdatedOct 29, 2026

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address4385 SIFFEL CT, COVINGTON, KY 41017-9203
Transaction TypeMortgage
Record UpdatedJun 15, 2021
Title CompanyBRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0005900018
DateMay 27, 2021
Book Page221/143
Instrument21052705900018
Lender
NameDISCOVER BANK
TypeBank
AddressNEW CASTLE, DE 19720
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 19, 2051

October 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateOct 23, 2017
Property Address4385 SIFFEL CT, COVINGTON, KY 41017-9203
Document Number0000000171
Book / Page0I4017 / 000233
Instrument DateOct 17, 2017
Instrument171
Transaction TypeTransfer
Record UpdatedDec 12, 2017
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
Tax$9.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address13677 GREEN RD WALTON KY 410948741, WALTON, KY 41094-8741

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKENTON KY
Property Address4385 SIFFEL CT, COVINGTON, KY 41017-9203
Document Number0000000171
Book / Page0I4003 / 000346
Instrument DateSep 12, 2017
Transaction TypeMortgage
Record UpdatedOct 18, 2017
Title CompanyNCS TITLE, NCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address4385 SIFFEL CT COVINGTON KY 410179203, COVINGTON, KY 41017-9203

Mortgage

Document Number0000000171
DateSep 22, 2017
Book Page0I4003/000346
Instrument171
Lender
Name1ST ALLIANCE LNDG
AddressEAST HARTFORD, CT 06108
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueSep 21, 2047

January 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionKENTON KY
Recording DateJan 6, 2017
Property Address4385 SIFFEL CT, COVINGTON, KY 41017-9203
Document Number0000000168
Book / Page0I3882 / 000086
Instrument DateJan 4, 2017
Instrument168
Transaction TypeTransfer
Record UpdatedAug 18, 2018
Title Company360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$124.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4385 SIFFEL CT COVINGTON KY 410179203, COVINGTON, KY 41017-9203

Mortgage

Document Number161
DateJan 6, 2017
Book Page0I3882/000090
Instrument161
Lender
Name1ST ALLIANCE LNDG
AddressEAST HARTFORD, CT 06108
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJan 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 4385 Siffel Ct was $2,135.

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$225,500 (+4.64%) Land $35,000 Building $190,500$225,500 (+4.64%) Land $35,000 Building $190,500
2025$2,135.00$215,500 Land $15,000 Building $200,500$215,500 Land $15,000 Building $200,500
2023$2,297.00$215,500 Land $15,000 Building $200,500$215,500 Land $15,000 Building $200,500

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

Flood

FEMA maps place 4385 Siffel Ct 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 4385 Siffel Ct 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 166 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
AT&T
Fixed Wireless		100 / 20

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