7724 E Covered Bridge Dr, Florence, KY 41042 Property Records

Kenton County property record for 7724 E Covered Bridge Dr, Florence, KY 41042

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1983
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Dec 2019)
Tax Bill	$1,794 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`004-40-01-028.00`

Property Details

APN / Parcel Number

Primary APN	`004-40-01-028.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,040 sqft Finished Area

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	7724 E COVERED BRIDGE DR
City	FLORENCE
State	KY
Zip	41042-2816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COVERED BRIDGE SEC 2 LOT 33
Legal Subdivision	COVERED BRIDGE
Legal Phase	2
Legal Lot Number	33
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1002
Census Tract	63607

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	Individual Name on Record
Mailing Address	7724 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2020	Deed of Trust, Mortgage · Conventional with PMI UNION HM MTG CORP
Dec 19, 2019	Warranty Deed, Transfer · Conventional with PMI UNITED WHOLESALE MTG
Dec 6, 2018	Warranty Deed, Transfer JANET'S INVS LLC
May 18, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2019 · Amount on Record
Deed Sale	Dec 19, 2019 · Amount on Record
Prior Sale	Dec 6, 2018 · Amount on Record
Deed Document Number	201912 19 059 00094
Deed Book / Page	6833 / 220
Prior Transfer Date	May 10, 2018
Prior Transfer Doc	0000000094
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	7724 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Document Number	0000000214
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 27, 2020
Title Company	AMERICAN HOMELAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7724 E COVERED BRIDGE DR FLORENCE KY 410422816, FLORENCE, KY 41042-2816

Mortgage

Document Number	0000000214
Date	Oct 5, 2020
Book Page	00M107/000102
Instrument	214

Lender

Name	UNION HM MTG CORP
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 19, 2019
Property Address	7724 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Document Number	0000000094
Book / Page	0C6833 / 000220
Instrument Date	Nov 16, 2019
Instrument	94
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7724 E COVERED BRIDGE DR FLORENCE KY 410422816, FLORENCE, KY 41042-2816

Mortgage

Document Number	95
Date	Dec 19, 2019
Book Page	0C6833/000223
Instrument	95

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 6, 2018
Property Address	7724 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Document Number	0000000084
Book / Page	0C6557 / 000340
Instrument Date	Dec 3, 2018
Instrument	84
Transaction Type	Transfer
Record Updated	Dec 31, 2018
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$68.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5655 VALLEY FORGE LN INDEPENDENCE KY 410519299, INDEPENDENCE, KY 41051-9299

Mortgage

Document Number	157
Date	Dec 6, 2018
Book Page	0C6561/000306
Instrument	157

Lender

Name	JANET'S INVS LLC
Address	PARIS, KY 40362

Agreement

Amount	Amount Recorded
Term	24 Months
Due	Dec 5, 2020

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 18, 2018
Property Address	7724 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Document Number	0000000094
Book / Page	0C6413 / 000202
Instrument Date	May 10, 2018
Instrument	94
Transaction Type	Transfer
Record Updated	Jun 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14473 CYPRESS TRACE CT FORT MYERS FL 339192809, FORT MYERS, FL 33919-2809

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Elsmere City
Unified School District	Kenton County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$150,700 (-) Land $25,000 Building $125,700	$150,700 (-) Land $25,000 Building $125,700
2025	$1,794.00 (-5.93%)	$150,700 (-) Land $25,000 Building $125,700	$150,700 (-) Land $25,000 Building $125,700
2023	$1,907.00	$150,700 Land $25,000 Building $125,700	$150,700 Land $25,000 Building $125,700

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 95% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	FLORENCE WATER & SEWER serves 29,351 people · EPA ID KY0080135
Water Source	Purchased surface water from BOONE-FLORENCE WATER COMMISSION
Last State Inspection	Mar 2024
Also Mapped Here	NORTHERN KENTUCKY WATER DISTRICT
Lead	Under 1 ppb (2021–2023) 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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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