Kenton County property record for 635 Marnoam Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,066 sqft · built 1976 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $83,000 (Aug 1995) |
| Tax Bill | $1,208 (2025) |
| Deeds & Mortgages | Jun 2022 Line of Credit Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-30-00-052.00 |
| Primary APN | 059-30-00-052.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,066 sqft Finished Area |
| Gross Area | 1,330 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 125 ft deep x 105 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Sewer | Connected |
| Street Address | 635 MARNOAM DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHOOL VIEW SEC 2 LOT 47 & SE 45' 48 |
| Legal Subdivision | SCHOOL VIEW |
| Legal Phase | 2 |
| Legal Lot Number | 47,48 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 65300 |
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 | 635 MARNOAM DR, COVINGTON, KY 41015-2350 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Oct 6, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Mar 19, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY |
| Aug 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 1995 · Amount on Record |
| Deed Sale | Aug 2, 1995 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 MARNOAM DR, COVINGTON, KY 41015-2350 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900146 |
|---|---|
| Date | Jun 24, 2022 |
| Book Page | 383/91 |
| Instrument | 22062405900146 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | May 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 MARNOAM DR, COVINGTON, KY 41015-2350 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|---|
| Address | 635 MARNOAM DR, COVINGTON, KY 41015-2350 |
| Document Number | 0005900040 |
|---|---|
| Date | Oct 6, 2022 |
| Book Page | 412/610 |
| Instrument | 22100605900040 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 117 Months |
| Due | Jul 25, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 MARNOAM DR, COVINGTON, KY 41015-2350 |
| Document Number | 0000000133 |
| Instrument Date | Mar 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 635 MARNOAM DR COVINGTON KY 410152350, COVINGTON, KY 41015-2350 |
| Document Number | 0000000133 |
|---|---|
| Date | May 29, 2020 |
| Book Page | 000M50/000274 |
| Instrument | 133 |
| Name | FIFTH THIRD BK/NTHRN KY |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 28, 2050 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 635 MARNOAM DR, COVINGTON, KY 41015-2350 |
| Document Number | 0000000065 |
| Book / Page | 0I3993 / 000107 |
| Instrument Date | Aug 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 19, 2017 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 635 MARNOAM DR COVINGTON KY 410152350, COVINGTON, KY 41015-2350 |
| Document Number | 0000000065 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 0I3993/000107 |
| Instrument | 65 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 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 | $202,600 (+18.48%) Land $45,000 Building $157,600 | $202,600 (+18.48%) Land $45,000 Building $157,600 | |
| 2025 | $1,208.00 (-9.04%) Homeowner's exemption | $171,000 (-) Land $10,000 Building $161,000 | $171,000 (-) Land $10,000 Building $161,000 |
| 2023 | $1,328.00 Homeowner's exemption | $171,000 Land $10,000 Building $161,000 | $171,000 Land $10,000 Building $161,000 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 | Direct burnable vegetation |
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 45 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 |
| AT&T Fixed Wireless | 100 / 20 |
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