Kenton County property record for 7770 E Covered Bridge Dr, Florence, KY 41042
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 912 sqft · built 1977 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $198,000 (Feb 2022) |
| Tax Bill | $2,358 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 004-40-01-038.00 |
| Primary APN | 004-40-01-038.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 912 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 93 ft deep x 58 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Street Address | 7770 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 1 LOT 44 |
| Legal Subdivision | COVERED BRIDGE |
| Legal Phase | 1 |
| Legal Lot Number | 44 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 63607 |
7770 E Covered Bridge Dr is owned and occupied by two individuals who bought it in February 2022.
Source: Kenton County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7770 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 9, 2022 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Jul 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 9, 2022 · Amount on File |
| Deed Sale | Feb 9, 2022 · Amount on File |
| Prior Sale | Aug 27, 2013 · Amount on File |
| Deed Document Number | 20224 |
| Deed Book / Page | 146 / 816 |
| Prior Transfer Date | Mar 24, 2006 |
| Prior Transfer Doc | 0005900163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 9, 2022 |
| Property Address | 7770 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816 |
| Document Number | 0005900004 |
| Book / Page | 146 / 816 |
| Map Reference | PL 1115 |
| Instrument Date | Feb 2, 2022 |
| Instrument | 22020905900004 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2022 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10253 HAMLET CT, 10253, UNION, KY 41091-7166 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 7770 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816 |
| Document Number | 0005900005 |
|---|---|
| Date | Feb 9, 2022 |
| Instrument | 22020905900005 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 7770 E COVERED BRIDGE DR, FLORENCE, KY 41042-2816 |
| Document Number | 0000000174 |
| Instrument Date | Jul 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Sep 10, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 7770 E COVERED BRIDGE DR FLORENCE KY 410422816, FLORENCE, KY 41042-2816 |
| Document Number | 0000000174 |
|---|---|
| Date | Jul 30, 2020 |
| Book Page | 000M76/000015 |
| Instrument | 174 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 29, 2050 |
The 2025 property tax bill for 7770 E Covered Bridge Dr was $2,358.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Elsmere City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $198,000 (-) Land $25,000 Building $173,000 | $198,000 (-) Land $25,000 Building $173,000 | |
| 2025 | $2,358.00 | $198,000 Land $25,000 Building $173,000 | $198,000 Land $25,000 Building $173,000 |
| 2023 | $2,506.00 | $198,000 Land $25,000 Building $173,000 | $198,000 Land $25,000 Building $173,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7770 E Covered Bridge Dr in Zone X, an area of minimal flood risk.
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 risk around 7770 E Covered Bridge Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 97.3% 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.
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 |
| 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 285 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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