Kenton County property record for 681 Sipple Dr, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,064 sqft · built 1956 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $132,000 (Apr 2019) |
| Tax Bill | $1,173 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 059-30-00-014.00 |
| Primary APN | 059-30-00-014.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,064 sqft Finished Area |
| Gross Area | 1,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Brick |
| Foundation Type | Block |
| Lot Area | 15,246 sqft (0.35 acres) |
| Lot Dimensions | 175 ft deep x 23 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 681 SIPPLE DR |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-2354 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOODLAWN W 35FT LOT 23 ALL LOT 24 |
| Legal Subdivision | WOODLAWN |
| Legal Lot Number | 24,23 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 681 SIPPLE DR, COVINGTON, KY 41015-2354 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 9, 2019 | Grant Deed, Transfer · Conventional with PMI FIFTH THIRD BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 9, 2019 · Amount on Record |
| Deed Sale | Apr 9, 2019 · Amount on Record |
| Deed Document Number | 201904 09 059 00119 |
| Deed Book / Page | 4248 / 11 |
| Prior Transfer Date | Apr 8, 2019 |
| Prior Transfer Doc | 0005900119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 681 SIPPLE DR, COVINGTON, KY 41015-2354 |
| Transaction Type | Mortgage |
| Record Updated | Jan 5, 2024 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0005900257 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 182/786 |
| Instrument | 21031505900257 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 9, 2019 |
| Property Address | 681 SIPPLE DR, COVINGTON, KY 41015-2354 |
| Document Number | 0000000119 |
| Book / Page | 0I4248 / 000011 |
| Instrument Date | Apr 8, 2019 |
| Instrument | 119 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $132.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 681 SIPPLE DR COVINGTON KY 410152354, COVINGTON, KY 41015-2354 |
| Document Number | 120 |
|---|---|
| Date | Apr 9, 2019 |
| Book Page | 0I4248/000015 |
| Instrument | 120 |
| Name | FIFTH THIRD BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 8, 2049 |
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 | $170,200 (+1.61%) Land $45,000 Building $125,200 | $170,200 (+1.61%) Land $45,000 Building $125,200 | |
| 2025 | $1,173.00 (-9.07%) Homeowner's exemption | $167,500 (-) Land $10,000 Building $157,500 | $167,500 (-) Land $10,000 Building $157,500 |
| 2023 | $1,290.00 Homeowner's exemption | $167,500 Land $10,000 Building $157,500 | $167,500 Land $10,000 Building $157,500 |
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 · 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 | 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 127 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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