Kenton County property record for 7 Otter Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,008 sqft · built 1997 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,725 (2025) |
| Deeds & Mortgages | Oct 2023 Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-01-020.00 |
| Primary APN | 045-30-01-020.00 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,008 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Sewer | Connected |
| Old Parcel Number | 0453001020.00 |
|---|---|
| Street Address | 7 OTTER DR |
| City | COVINGTON |
| State | KY |
| Zip | 41017-9391 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 1 LOT 20 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 20 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 66801 |
Source: Kenton County records · APN 045-30-01-020.00
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 | Individual Name on File |
|---|---|
| Co-owner | 2 Verified Secondary Owners |
| Mailing Address | 7 OTTER DR, COVINGTON, KY 41017-9391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 12, 2023 | Deed, Transfer · Conventional Mortgage US BANK NA |
| Nov 15, 2019 | Warranty Deed, Transfer · FHA Mortgage HUNTINGTON NAT'L BK |
| Nov 29, 2017 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 3 Verified Names on Deed |
|---|---|
| Last Sale | Oct 12, 2023 |
| Deed Sale | Oct 12, 2023 |
| Prior Sale | Nov 15, 2019 · Amount on Record |
| Deed Document Number | 0000251592 |
| Deed Book / Page | 251 / 592 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 12, 2023 |
| Property Address | 7 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0005900135 |
| Book / Page | KC 251 / 592 |
| Map Reference | SL A-185 |
| Instrument Date | Oct 11, 2023 |
| Instrument | 23101205900135 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7 OTTER DR, FORT MITCHELL, KY 41017-9391 |
| Document Number | 0005900136 |
|---|---|
| Date | Oct 12, 2023 |
| Book Page | KCM 499/458 |
| Instrument | 23101205900136 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45231 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 15, 2019 |
| Property Address | 7 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0000000058 |
| Book / Page | 0I4361 / 000209 |
| Instrument Date | Nov 07, 2019 |
| Instrument | 58 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2019 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $186.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 OTTER DR COVINGTON KY 410179391, COVINGTON, KY 41017-9391 |
| Document Number | 60 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 0I4361/000212 |
| Instrument | 60 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43235 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 14, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 7 OTTER DR, COVINGTON, KY 41017-9391 |
| Document Number | 0000000180 |
| Book / Page | 0I4045 / 000259 |
| Instrument Date | Nov 29, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2018 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 7 OTTER DR COVINGTON KY 410179391, COVINGTON, KY 41017-9391 |
| Document Number | 0000000180 |
|---|---|
| Date | Dec 21, 2017 |
| Book Page | 0I4045/000259 |
| Instrument | 180 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 20, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
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 | $2,725.00 (+9.97%) | $275,000 (+18.28%) Land $25,000 Building $250,000 | $275,000 (+18.28%) Land $25,000 Building $250,000 |
| 2023 | $2,478.00 (-2.36%) | $232,500 (-) Land $25,000 Building $207,500 | $232,500 (-) Land $25,000 Building $207,500 |
| 2022 | $2,538.00 | $232,500 Land $25,000 Building $207,500 | $232,500 Land $25,000 Building $207,500 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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.
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 |
| 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.
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