Kenton County property record for 70 Otter Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 896 sqft · built 1999 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on Record |
| Last Sale | $299,900 (Jun 2023) |
| Tax Bill | $2,972 (2025) |
| Deeds & Mortgages | Jun 2023 Sale Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-01-044.00 |
| Primary APN | 045-30-01-044.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 896 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 141 ft deep x 55 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 70 OTTER DR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 5 LOT 44 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 5 |
| Legal Lot Number | 44 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 66801 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 70 OTTER DR, FT MITCHELL, KY 41017-9302 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 16, 2023 | Warranty Deed, Transfer AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Jun 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage STOCKTON MORTGAGE CORP |
| Aug 9, 2018 | Quit Claim Deed, Mortgage · FHA Mortgage FELLOWSHIP HM LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2023 · Amount on Record |
| Deed Sale | Jun 16, 2023 · Amount on Record |
| Prior Sale | Jun 16, 2022 · Amount on Record |
| Deed Document Number | 2023245 |
| Deed Book / Page | 231 / 599 |
| Prior Transfer Date | Jul 23, 2018 |
| Prior Transfer Doc | 0005900155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 16, 2023 |
| Property Address | 70 OTTER DR, COVINGTON, KY 41017-9302 |
| Document Number | 0005900245 |
| Book / Page | KC 231 / 599 |
| Map Reference | SL 278A |
| Instrument Date | Jun 7, 2023 |
| Instrument | 23061605900245 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2023 |
| Title Company | AMERICAN HOMELAND TITLE AGENCY, AMERICAN HOMELAND TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5983 TYLER POINT DR, FAIRFIELD TOWNSHIP, OH 45011-2181 |
| Name | Verified Name |
|---|---|
| Address | 5983 TYLER POINT DR, FAIRFIELD TOWNSHIP, OH 45011-2181 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 16, 2022 |
| Property Address | 70 OTTER DR, COVINGTON, KY 41017-9302 |
| Document Number | 0005900235 |
| Book / Page | 171 / 561 |
| Map Reference | SL 278A |
| Instrument Date | Jun 14, 2022 |
| Instrument | 22061605900235 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6258 STREAMSIDE DR, 6258, INDEPENDENCE, KY 41051-8455 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 70 OTTER DR, COVINGTON, KY 41017-9302 |
| Document Number | 0005900236 |
|---|---|
| Date | Jun 16, 2022 |
| Book Page | 380/457 |
| Instrument | 22061605900236 |
| Name | STOCKTON MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | FRANKFORT, KY 40601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 9, 2018 |
| Property Address | 70 OTTER DR, COVINGTON, KY 41017-9302 |
| Document Number | 0000000155 |
| Book / Page | 0I4146 / 000074 |
| Instrument Date | Jul 23, 2018 |
| Instrument | 155 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 70 OTTER DR COVINGTON KY 410179302, COVINGTON, KY 41017-9302 |
| Document Number | 156 |
|---|---|
| Date | Aug 9, 2018 |
| Book Page | 0I4146/000077 |
| Instrument | 156 |
| Name | FELLOWSHIP HM LOANS |
|---|---|
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 8, 2048 |
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 | $299,900 (-) Land $35,000 Building $264,900 | $299,900 (-) Land $35,000 Building $264,900 | |
| 2025 | $2,972.00 (-2.17%) | $299,900 (+5.23%) Land $25,000 Building $274,900 | $299,900 (+5.23%) Land $25,000 Building $274,900 |
| 2023 | $3,038.00 (-4.04%) | $285,000 (-1.72%) Land $25,000 Building $260,000 | $285,000 (-1.72%) Land $25,000 Building $260,000 |
| 2022 | $3,166.00 | $290,000 Land $25,000 Building $265,000 | $290,000 Land $25,000 Building $265,000 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 320 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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