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

Kenton County property record for 688 Clover Dr, Covington, KY 41015 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,584 sqft · built 1990
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$144,001 (Nov 2017)
Tax Bill	$2,180 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jun 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`059-30-00-115.00`

Property Details

APN / Parcel Number

Primary APN	`059-30-00-115.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,584 sqft Finished Area
Gross Area	2,064 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	688 CLOVER DR
City	COVINGTON
State	KY
Zip	41015-2305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRANDVIEW LOT 25
Legal Subdivision	GRANDVIEW
Legal Lot Number	25
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4003
Census Tract	65300

Owner

Source: Kenton County records · APN 059-30-00-115.00

Assessment roll updated December 2, 2025 · Last verified April 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 File
Mailing Address	688 CLOVER DR, COVINGTON, KY 41015-2305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2023	Deed of Trust, Mortgage · Line of Credit HERITAGE BANK INC
Jun 10, 2020	Deed of Trust, Mortgage · Conventional with PMI CINCINNATI FED'L
Apr 05, 2019	Deed of Trust, Mortgage · Conventional Mortgage CINCINNATI FED'L
Nov 13, 2017	Grant Deed, Transfer · Conventional Mortgage KENTUCKY FED'L S&L
Oct 03, 2017	Grant Deed, Transfer ATTORNEY ONLY
Aug 22, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 13, 2017 · Amount on Record
Deed Sale	Nov 13, 2017 · Amount on Record
Prior Sale	Aug 22, 2017 · Amount on Record
Deed Document Number	201711 13 059 00144
Deed Book / Page	4028 / 101
Prior Transfer Date	Nov 12, 2004
Prior Transfer Doc	0I14830024
Record Updated	Jun 08, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	688 CLOVER DR, COVINGTON, KY 41015-2305
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	688 CLOVER DR, COVINGTON, KY 41015-2305

Mortgage

Document Number	0005900051
Date	Dec 21, 2023
Book Page	KCM 515/958
Instrument	23122105900051

Lender

Name	HERITAGE BANK INC
Type	Bank
Address	INDEPENDENCE, KY 41051

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Nov 25, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	688 CLOVER DR, COVINGTON, KY 41015-2305
Document Number	0000000265
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 10, 2020
Title Company	LAWYERS TITLE, LAWYERS TITLE CINCINNATI

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	688 CLOVER DR COVINGTON KY 410152305, COVINGTON, KY 41015-2305

Mortgage

Document Number	0000000265
Date	Jun 18, 2020
Book Page	000M60/000101
Instrument	265

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jun 17, 2035

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	688 CLOVER DR, COVINGTON, KY 41015-2305
Document Number	0000000077
Instrument Date	Apr 05, 2019
Transaction Type	Mortgage
Record Updated	May 09, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	688 CLOVER DR COVINGTON KY 410152305, COVINGTON, KY 41015-2305

Mortgage

Document Number	0000000077
Date	Apr 23, 2019
Book Page	0I4253/000113
Instrument	77

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 22, 2039

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Nov 13, 2017
Property Address	688 CLOVER DR, COVINGTON, KY 41015-2305
Document Number	0000000144
Book / Page	0I4028 / 000101
Instrument Date	Nov 07, 2017
Instrument	144
Transaction Type	Transfer
Record Updated	Jan 03, 2018
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$144.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	688 CLOVER DR COVINGTON KY 410152305, COVINGTON, KY 41015-2305

Mortgage

Document Number	145
Date	Nov 13, 2017
Book Page	0I4028/000105
Instrument	145

Lender

Name	KENTUCKY FED'L S&L
Type	Federal Savings Bank
Address	COVINGTON, KY 41012-0109

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2032

Interest

Rate Type	Adjustable Rate
Rate	3.75%

October 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Oct 03, 2017
Property Address	688 CLOVER DR, COVINGTON, KY 41015-2305
Document Number	0000000306
Book / Page	0I4009 / 000049
Instrument Date	Sep 11, 2017
Instrument	306
Transaction Type	Transfer
Record Updated	Apr 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Aug 22, 2017
Property Address	688 CLOVER DR, COVINGTON, KY 41015-2305
Document Number	0000000186
Book / Page	0I3988 / 000053
Instrument Date	Jul 24, 2017
Instrument	186
Transaction Type	Transfer
Record Updated	Jan 03, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$135.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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	$2,180.00 (-7.04%)	$220,000 (-) Land $20,000 Building $200,000	$220,000 (-) Land $20,000 Building $200,000
2023	$2,345.00	$220,000 Land $20,000 Building $200,000	$220,000 Land $20,000 Building $200,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 211170653004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 37% of Kentucky
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 161 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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