66 Otter Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 66 Otter Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,022 sqft · built 1999
Lot Size	0.269 acres (11,761 sqft)
Owner	Owner Name on File
Last Sale	$145,000 (Jul 2004)
Tax Bill	$1,991 (2025)
Deeds & Mortgages	Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`045-30-01-199.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-01-199.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,022 sqft Finished Area

Exterior

Year Built	Built 1999
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.269 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Old Parcel Number	0453001199.00
Street Address	66 OTTER DR
City	COVINGTON
State	KY
Zip	41017-9390
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMBERLAND RIDGE SEC 5 LOT 199
Legal Subdivision	CUMBERLAND RIDGE
Legal Phase	5
Legal Lot Number	199
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1022
Census Tract	66801

Owner

Source: Kenton County records · APN 045-30-01-199.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	66 OTTER DR, COVINGTON, KY 41017-9390
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 22, 2004 · Amount on Record
Deed Sale	Jul 22, 2004 · Amount on Record
Prior Sale	Jun 29, 2001 · Amount on Record
Deed Document Number	0001384257
Deed Book / Page	1384 / 257
Record Updated	Jun 08, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	66 OTTER DR, COVINGTON, KY 41017-9390
Document Number	0000000197
Instrument Date	Jul 03, 2019
Transaction Type	Mortgage
Record Updated	Aug 16, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	66 OTTER DR FORT MITCHELL KY 410179390, FORT MITCHELL, KY 41017-9390

Mortgage

Document Number	0000000197
Date	Aug 02, 2019
Book Page	0I4304/000324
Instrument	197

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 01, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,991.00 (-7.05%)	$201,000 (-) Land $25,000 Building $176,000	$201,000 (-) Land $25,000 Building $176,000
2023	$2,142.00	$201,000 Land $25,000 Building $176,000	$201,000 Land $25,000 Building $176,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 320 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.