Kenton County property record for 82 Otter Dr, Covington, KY 41017
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 976 sqft · built 1999 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on File |
| Last Sale | $139,500 (Apr 2010) |
| Tax Bill | $2,040 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 045-30-01-047.00 |
| Primary APN | 045-30-01-047.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 976 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Basement |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 82 OTTER DR |
|---|---|
| City | FT MITCHELL |
| State | KY |
| Zip | 41017-9302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 5 LOT 47 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 5 |
| Legal Lot Number | 47 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 66801 |
82 Otter Dr is owned and occupied by an individual who bought it in April 2010.
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 File |
|---|---|
| Mailing Address | 82 OTTER DR, FT MITCHELL, KY 41017-9302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 13, 2021 | Deed of Trust, Mortgage · Stand-Alone First Mortgage GUARDIAN SAVINGS BANK |
| May 25, 2017 | Deed of Trust, Mortgage · Conventional with PMI GUARDIAN SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 9, 2010 · Amount on File |
| Deed Sale | Apr 9, 2010 · Amount on File |
| Prior Sale | Apr 26, 2002 · Amount on File |
| Deed Document Number | 201004 09 059 00115 |
| Deed Book / Page | 2664 / 198 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 82 OTTER DR, COVINGTON, KY 41017-9302 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0005900299 |
|---|---|
| Date | Apr 13, 2021 |
| Book Page | 200/668 |
| Instrument | 21041305900299 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 82 OTTER DR, COVINGTON, KY 41017-9302 |
| Document Number | 0000000025 |
| Book / Page | 0I3949 / 000321 |
| Instrument Date | May 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2017 |
| Title Company | STERLING LAND TITLE AGENCY INC, STERLING LAND TITLE AGCY INC |
| Name | Verified Name |
|---|---|
| Address | 82 OTTER DR COVINGTON KY 410179302, COVINGTON, KY 41017-9302 |
| Document Number | 0000000025 |
|---|---|
| Date | Jun 6, 2017 |
| Book Page | 0I3949/000321 |
| Instrument | 25 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 5, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
The 2025 property tax bill for 82 Otter Dr was $2,040.
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $205,900 (-) Land $35,000 Building $170,900 | $205,900 (-) Land $35,000 Building $170,900 | |
| 2025 | $2,040.00 | $205,900 Land $25,000 Building $180,900 | $205,900 Land $25,000 Building $180,900 |
| 2023 | $2,194.00 | $205,900 Land $25,000 Building $180,900 | $205,900 Land $25,000 Building $180,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 82 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 risk around 82 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.
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 |
| 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 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 |
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