77 Otter Dr, Covington (Ft Mitchell), KY 41017 Property Records

Kenton County property record for 77 Otter Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 962 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$122,025 (Jul 1999)
Tax Bill	$1,476 (2025)
Deeds & Mortgages	Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-01-051.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-01-051.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	962 sqft Finished Area

Exterior

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	9,148 sqft (0.21 acres)
Lot Dimensions	125 ft deep x 52 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	77 OTTER DR
City	FT MITCHELL
State	KY
Zip	41017-9393
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CUMBERLAND RIDGE SEC 5 LOT 51
Legal Subdivision	CUMBERLAND RIDGE
Legal Phase	5
Legal Lot Number	51
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1022
Census Tract	66801

Owner

Source: Kenton County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	77 OTTER DR, FT MITCHELL, KY 41017-9393
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 1999 · Amount on Record
Deed Sale	Jul 1, 1999 · Amount on Record
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	77 OTTER DR, COVINGTON, KY 41017-9393
Document Number	0000000010
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	Apr 27, 2018
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	77 OTTER DR COVINGTON KY 410179393, COVINGTON, KY 41017-9393

Mortgage

Document Number	0000000010
Date	Apr 20, 2018
Book Page	0I4095/000306
Instrument	10

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 19, 2033

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 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
2026		$198,100 (-) Land $35,000 Building $163,100	$198,100 (-) Land $35,000 Building $163,100
2025	$1,476.00 (-30.08%) Homeowner's exemption	$198,100 (-) Land $25,000 Building $173,100	$198,100 (-) Land $25,000 Building $173,100
2023	$2,111.00	$198,100 Land $25,000 Building $173,100	$198,100 Land $25,000 Building $173,100

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

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.

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	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.

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 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