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

Kenton County property record for 81 Otter Dr, Covington, KY 41017

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,130 sqft · built 2000
Lot Size	1.3 acres (56,628 sqft)
Owner	2 Individual Names on File
Last Sale	$112,590 (Dec 1999)
Tax Bill	$1,980 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`045-30-01-050.00`

Property Details

APN / Parcel Number

Primary APN	`045-30-01-050.00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,130 sqft Finished Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Brick
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	56,628 sqft (1.3 acres)
Lot Dimensions	162 ft deep x 38 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	81 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 50
Legal Subdivision	CUMBERLAND RIDGE
Legal Phase	5
Legal Lot Number	50
Jurisdiction	KENTON KY
Township / Civil Division	INDEPENDENCE
Census Block Group	1
Census Block	1022
Census Tract	66801

Owner

81 Otter Dr is owned and occupied by two individuals who bought it in December 1999.

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 File
Mailing Address	81 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	Dec 30, 1999 · Amount on File
Deed Sale	Dec 30, 1999 · Amount on File
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	81 OTTER DR, COVINGTON, KY 41017-9393
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 OTTER DR, COVINGTON, KY 41017-9393

Mortgage

Document Number	0005900111
Date	Mar 29, 2021
Book Page	191/686
Instrument	21032905900111

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 14, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 81 Otter Dr was $1,980.

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		$223,700 (+11.96%) Land $35,000 Building $188,700	$223,700 (+11.96%) Land $35,000 Building $188,700
2025	$1,980.00	$199,800 Land $25,000 Building $174,800	$199,800 Land $25,000 Building $174,800
2023	$2,129.00	$199,800 Land $25,000 Building $174,800	$199,800 Land $25,000 Building $174,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 81 Otter 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

Wildfire risk around 81 Otter Dr is low, with 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 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