7734 E Covered Bridge Dr, Florence, KY 41042 Property Records

Kenton County property record for 7734 E Covered Bridge Dr, Florence, KY 41042

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 900 sqft · built 1984
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$217,000 (Apr 2025)
Tax Bill	$1,950 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Apr 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`004-40-01-030.00`

Property Details

APN / Parcel Number

Primary APN	`004-40-01-030.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	900 sqft Finished Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7734 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 35
Legal Subdivision	COVERED BRIDGE
Legal Phase	2
Legal Lot Number	35
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	7734 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2025	Warranty Deed, Transfer · Conventional Mortgage L&N FCU
Apr 11, 2024	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 22, 2017	Deed of Trust, Mortgage · Conventional with PMI FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2025 · Amount on Record
Deed Sale	Apr 24, 2025 · Amount on Record
Prior Sale	Mar 1, 2016 · Amount on Record
Deed Document Number	202546
Deed Book / Page	339 / 743
Prior Transfer Date	Feb 20, 1997
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 24, 2025
Property Address	7734 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Document Number	0005900046
Book / Page	KC 339 / 743
Instrument Date	Apr 22, 2025
Instrument	25042405900046
Transaction Type	Transfer
Record Updated	Nov 28, 2025
Title Company	KENSINGTON VANGUARD NATL LAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7734 E CONGRED BEIDGE DR, FLORENCE, KY 41042

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7734 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816

Mortgage

Document Number	0005900047
Date	Apr 24, 2025
Instrument	25042405900047

Lender

Name	L&N FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7.12%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	5 Years
Min Rate At Change	7.12%
Max Rate At Change	9.12%
Index	5-Year TN
Max Rate	13.1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	7734 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7734 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816

Mortgage

Document Number	0005900107
Date	Apr 11, 2024
Book Page	KCM540/92
Instrument	24041105900107

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	907 PLEASANT VALLEY AVE # 3, MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	7734 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816
Document Number	0000000140
Instrument Date	May 22, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7734 E COVERED BRIDGE DR FLORENCE KY 410422816, FLORENCE, KY 41042-2816

Mortgage

Document Number	0000000140
Date	Jun 1, 2017
Book Page	0C6171/000309
Instrument	140

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2047

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		$217,000 (+32.48%) Land $25,000 Building $192,000	$217,000 (+32.48%) Land $25,000 Building $192,000
2025	$1,950.00 (-5.93%)	$163,800 (-) Land $25,000 Building $138,800	$163,800 (-) Land $25,000 Building $138,800
2023	$2,073.00	$163,800 Land $25,000 Building $138,800	$163,800 Land $25,000 Building $138,800

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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