676 Clover Dr, Covington (Latonia), KY 41015 Property Records

Kenton County property record for 676 Clover Dr, Covington, KY 41015

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,025 sqft · built 1960
Lot Size	0.35 acres (15,246 sqft)
Owner	Individual Name on Record
Last Sale	$249,600 (Sep 2021)
Tax Bill	$1,986 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Mar 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`059-30-00-112.00`

Property Details

APN / Parcel Number

Primary APN	`059-30-00-112.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,025 sqft Finished Area
Gross Area	1,325 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Basement
Parking Spaces	1 Parking Space
Pool Type	In-Ground Pool

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Old Parcel Number	0593000112.00
Street Address	676 CLOVER DR
City	COVINGTON
State	KY
Zip	41015-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRANDVIEW LOT 22
Legal Subdivision	GRANDVIEW
Legal Lot Number	22
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records, as of November 27, 2025

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	676 CLOVER DR, COVINGTON, KY 41015-2305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Mar 2, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2021 · Amount on Record
Deed Sale	Sep 2, 2021 · Amount on Record
Prior Sale	Aug 18, 2010 · Amount on Record
Deed Document Number	0000115442
Deed Book / Page	115 / 442
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 2, 2021
Property Address	676 CLOVER DR, COVINGTON, KY 41015-2305
Document Number	0005900248
Book / Page	115 / 442
Map Reference	MB 8 PG 4
Instrument Date	Aug 31, 2021
Instrument	21090205900248
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	230 MARTIN RD, 230, CORINTH, KY 41010-8931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 CLOVER DR, COVINGTON, KY 41015-2305

Mortgage

Document Number	0005900249
Date	Sep 2, 2021
Instrument	21090205900249

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	676 CLOVER DR, COVINGTON, KY 41015-2305
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 CLOVER DR, COVINGTON, KY 41015-2305

Mortgage

Document Number	0005900009
Date	Mar 2, 2021
Book Page	175/846
Instrument	21030205900009

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Feb 15, 2041

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,986.00 (-8.31%) Homeowner's exemption	$249,600 (-) Land $20,000 Building $229,600	$249,600 (-) Land $20,000 Building $229,600
2023	$2,166.00 Homeowner's exemption	$249,600 Land $20,000 Building $229,600	$249,600 Land $20,000 Building $229,600

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

Flood

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.

Wildfire

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 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 · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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