Kenton County property record for 45 Otter Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 924 sqft · built 1999 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $270,000 (Aug 2026) |
| Tax Bill | $1,704 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Sep 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-01-012.00 |
| Primary APN | 045-30-01-012.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 924 sqft Finished Area |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 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 | 45 OTTER DR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 1 LOT 12 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 66801 |
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 | 45 OTTER DR, FT MITCHELL, KY 41017-9391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Aug 13, 2026 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE |
| Sep 11, 2020 | Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD BK NA |
| Sep 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2026 · Amount on Record |
| Deed Sale | Aug 13, 2026 · Amount on Record |
| Prior Sale | Sep 11, 2020 · Amount on Record |
| Deed Document Number | 202618287 |
| Deed Book / Page | 480 / 610 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 13, 2026 |
| Property Address | 45 OTTER DR, FT MITCHELL, KY 41017-9391 |
| Document Number | 0000018287 |
| Book / Page | 480 / 610 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 202618287 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2026 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $27,270.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 45 OTTER DR, FT MITCHELL, KY 41017-9391 |
| Document Number | 0000018288, |
|---|---|
| Date | Aug 13, 2026 |
| Instrument | 2026081318288 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Number | 0000018289, |
|---|---|
| Date | Aug 13, 2026 |
| Book Page | 480/634 |
| Instrument | 202618289 |
| Name | CROSSCOUNTRY MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 1, 2036 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 11, 2020 |
| Property Address | 45 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0000000062 |
| Book / Page | 000043 / 000001 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 62 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2020 |
| Title Company | LAWYERS TITLE, LAWYERS TITLE CINCINNATI |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 OTTER DR COVINGTON KY 410179391, COVINGTON, KY 41017-9391 |
| Document Number | 63 |
|---|---|
| Date | Sep 11, 2020 |
| Book Page | 000M96/000635 |
| Instrument | 63 |
| Name | FIFTH THIRD BK NA |
|---|---|
| Address | CINCINNATI, OH 45263 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 10, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 11, 2020 |
| Property Address | 45 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0005900062 |
| Book / Page | KC 43 / 1 |
| Map Reference | PL A-185 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 20091105900062 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | LAWYERS TTL OF CINCINNATI IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 OTTER DR, 45, FT MITCHELL, KY 41017-9391 |
| Name | Verified Name |
|---|---|
| Address | 45 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0005900063 |
|---|---|
| Date | Sep 11, 2020 |
| Instrument | 20091105900063 |
| Name | FIFTH THIRD BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2050 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $192,200 (+11.74%) Land $35,000 Building $157,200 | $192,200 (+11.74%) Land $35,000 Building $157,200 | |
| 2025 | $1,704.00 (-7.04%) | $172,000 (-) Land $25,000 Building $147,000 | $172,000 (-) Land $25,000 Building $147,000 |
| 2023 | $1,833.00 | $172,000 Land $25,000 Building $147,000 | $172,000 Land $25,000 Building $147,000 |
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
| 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 320 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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