Kenton County property record for 85 Otter Dr, Covington, KY 41017 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 890 sqft Finished Area |
| Lot Size | 48,787 sqft (1.12 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $254,000 (2025) |
| Tax Bill | $2,035.00 (2025) |
| Primary APN | 045-30-01-049.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 890 sqft Finished Area |
| Stories | 1 Stories |
| Year Built | Built 1999 |
|---|---|
| Architectural Style | Bi-Level Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Foundation Type | Concrete Foundation |
| Roof Material | Composition Shingle Roof |
| Lot Area | 48,787 sqft (1.12 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Basement Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Heating Fuel | Gas Heating Fuel |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Old Parcel Number | 0453001049.00 |
|---|---|
| Street Address | 85 OTTER DR |
| City | COVINGTON |
| State | KY |
| Zip | 41017-9393 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CUMBERLAND RIDGE SEC 5 LOT 49 |
| Legal Subdivision | CUMBERLAND RIDGE |
| Legal Phase | 5 |
| Legal Lot Number | 49 |
| Jurisdiction | KENTON KY |
| Minor Civil Division | INDEPENDENCE |
| Census Blockgroup | 1 |
| Census Block | 1024 |
| Census Tract | 66801 |
Source: Kenton County records · APN 045-30-01-049.00
Assessment roll updated April 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 85 OTTER DR, COVINGTON, KY 41017-9393 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Sep 10, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 10, 2025 · Amount on Record |
| Deed Sale | Sep 10, 2025 · Amount on Record |
| Prior Sale | Dec 31, 1999 · Amount on Record |
| Deed Doc Number | 25091005900108 |
| Deed Book / Page | KC 362 / 292 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 85 OTTER DR, COVINGTON, KY 41017-9393 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0005900091 |
|---|---|
| Date | Jun 20, 2022 |
| Book Page | 381/316 |
| Instrument | 22062005900091 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 10, 2025 |
| Property Address | 85 OTTER DR, COVINGTON, KY 41017-9393 |
| Document Number | 0005900108 |
| Book / Page | KC 362 / 292 |
| Map Reference | SL A-278 |
| Instrument Date | Sep 09, 2025 |
| Instrument | 25091005900108 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 85 OTTER DR, COVINGTON, KY 41017-9393 |
| Name | Verified Name |
|---|---|
| Address | 85 OTTER DR, COVINGTON, KY 41017-9393 |
| Document Number | 0005900109 |
|---|---|
| Date | Sep 10, 2025 |
| Instrument | 25091005900109 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Kenton County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,035.00 (-3.33%) | $205,400 (-) Land $25,000 Building $180,400 | $205,400 (-) Land $25,000 Building $180,400 |
| 2024 | $2,105.00 (-3.84%) | $205,400 (-) Land $25,000 Building $180,400 | $205,400 (-) Land $25,000 Building $180,400 |
| 2023 | $2,189.00 | $205,400 Land $25,000 Building $180,400 | $205,400 Land $25,000 Building $180,400 |
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