Kenton County property record for 644 Marnoam Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,150 sqft · built 1956 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $136,500 (Sep 2018) |
| Tax Bill | $2,249 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Sep 2023 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-30-00-061.00 |
| Primary APN | 059-30-00-061.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,150 sqft Finished Area |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 644 MARNOAM DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2351 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHOOL VIEW SEC 2 LOT 35 & ADJ 1/2 36 |
| Legal Subdivision | SCHOOL VIEW |
| Legal Phase | 2 |
| Legal Lot Number | 35,36 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 65300 |
Source: Kenton County records, as of December 2, 2025
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 | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Sep 20, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Aug 24, 2023 | Intrafamily Transfer, Transfer |
| Sep 6, 2018 | Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG |
| Aug 27, 2018 | Deed of Trust, Mortgage MISCELLANEOUS GOVT AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 6, 2018 · Amount on Record |
| Deed Sale | Sep 6, 2018 · Amount on Record |
| Prior Sale | Nov 5, 2008 · Amount on Record |
| Deed Document Number | 201809 06 059 00191 |
| Deed Book / Page | 4160 / 281 |
| Last Transfer Date | Jul 1, 2023 |
| Transfer Doc | 0005900232 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0005900114 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 328/408 |
| Instrument | 22012005900114 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | BRYTH TITLE AND ESCROW, BLYTHE TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0005900452 |
|---|---|
| Date | Sep 20, 2023 |
| Book Page | KCM 493/724 |
| Instrument | 23092005900452 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Jul 12, 2033 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 24, 2023 |
| Property Address | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Document Number | 0005900232 |
| Book / Page | KC 243 / 207 |
| Map Reference | MB 6 PG 23 SL B0139 |
| Instrument Date | Jul 1, 2023 |
| Instrument | 23082405900232 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 6, 2018 |
| Property Address | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Document Number | 0000000191 |
| Book / Page | 0I4160 / 000281 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 191 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2018 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $136.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 644 MARNOAM DR COVINGTON KY 410152351, COVINGTON, KY 41015-2351 |
| Document Number | 193 |
|---|---|
| Date | Sep 6, 2018 |
| Book Page | 0I4160/000285 |
| Instrument | 193 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 5, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 644 MARNOAM DR, COVINGTON, KY 41015-2351 |
| Document Number | 0000000224 |
| Instrument Date | Aug 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 644 MARNOAM DR COVINGTON KY 410152351, COVINGTON, KY 41015-2351 |
| Document Number | 0000000224 |
|---|---|
| Date | Sep 18, 2018 |
| Book Page | 0I4166/000226 |
| Instrument | 224 |
| Name | MISCELLANEOUS GOVT AGCY |
|---|---|
| Address | COVINGTON, KY 41011 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Sep 17, 2023 |
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 |
|---|---|---|---|
| 2025 | $2,249.00 (+23.37%) | $227,000 (+32.67%) Land $10,000 Building $217,000 | $227,000 (+32.67%) Land $10,000 Building $217,000 |
| 2023 | $1,823.00 (-2.41%) | $171,100 (-) Land $10,000 Building $161,100 | $171,100 (-) Land $10,000 Building $161,100 |
| 2022 | $1,868.00 | $171,100 Land $10,000 Building $161,100 | $171,100 Land $10,000 Building $161,100 |
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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