Kenton County property record for 6 Otter Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,154 sqft · built 1999 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,155 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-01-001.00 |
| Primary APN | 045-30-01-001.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,154 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 6 OTTER DR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9390 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 1 LOT 1 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1021 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 6 OTTER DR, FT MITCHELL, KY 41017-9390 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage CITIZENS BANK NA |
| May 31, 2017 | Quit Claim Deed, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 11, 2011 |
| Deed Sale | Apr 11, 2011 |
| Prior Sale | Jan 4, 2011 · Amount on Record |
| Deed Document Number | 201104 11 059 00245 |
| Deed Book / Page | 2853 / 2 |
| Last Transfer Date | May 25, 2017 |
| Transfer Doc | 0005900226 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Mar 17, 2021 |
| Property Address | 6 OTTER DR, COVINGTON, KY 41017-9390 |
| Document Number | 0005900171 |
| Book / Page | 78 / 209 |
| Map Reference | PL A-185 |
| Instrument Date | Jan 26, 2021 |
| Instrument | 21031705900171 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2022 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6 OTTER DR, COVINGTON, KY 41017-9390 |
| Document Number | 0005900172 |
|---|---|
| Date | Mar 17, 2021 |
| Book Page | 185/168 |
| Instrument | 21031705900172 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 31, 2017 |
| Property Address | 6 OTTER DR, COVINGTON, KY 41017-9390 |
| Document Number | 0000000226 |
| Book / Page | 0I3946 / 000310 |
| Instrument Date | May 25, 2017 |
| Instrument | 226 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2017 |
| Title Company | PRIORITY NATIONAL TITLE SERVICES, PRIORITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6 OTTER DR COVINGTON KY 410179390, COVINGTON, KY 41017-9390 |
| Document Number | 227 |
|---|---|
| Date | May 31, 2017 |
| Book Page | 0I3946/000312 |
| Instrument | 227 |
| Name | FRANKLIN AMERICAN MTG |
|---|---|
| Type | Mortgage Company |
| Address | FRANKLIN, TN 37067 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 30, 2047 |
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 | $217,500 (-) Land $35,000 Building $182,500 | $217,500 (-) Land $35,000 Building $182,500 | |
| 2025 | $2,155.00 (-7.03%) | $217,500 (-) Land $25,000 Building $192,500 | $217,500 (-) Land $25,000 Building $192,500 |
| 2023 | $2,318.00 | $217,500 Land $25,000 Building $192,500 | $217,500 Land $25,000 Building $192,500 |
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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