Seller's Agent in 2022
Lauren Schmerge Smith
Huff Realty - Ft. Mitchell
(859) 630-6820
1 in this area
165 Total Sales
3301 Cottage Ave Unit 3 Covington, KY 41015
West Latonia NeighborhoodEstimated Value: $228,000 - $248,000
3
Beds
2
Baths
1,620
Sq Ft
$145/Sq Ft
Est. Value
Highlights
- Deck
- Granite Countertops
- Formal Dining Room
- Traditional Architecture
- No HOA
- 4-minute walk to 35th & Carlisle Park
About This Home
As of October 2022Check out this adorable 3 bed 2 bath home located on a quiet dead end street! Updated kitchen-which includes granite counter tops and stainless steel appliances. Beautiful flooring & neutral paint colors throughout the home. Newer HVAC, water heater, and windows! This home also qualifies for down payment assistance. Schedule your showing today before it's gone!
Last Agent to Sell the Property
Huff Realty - Ft. Mitchell License #248316 Listed on: 09/07/2022
Last Buyer's Agent
The Cindy Shetterly Team
Keller Williams Realty Servs
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $2,499
Lot Details
- 2,875 Sq Ft Lot
- Lot Dimensions are 50 x 114
Parking
- On-Street Parking
Home Design
- Traditional Architecture
- Poured Concrete
- Shingle Roof
- Vinyl Siding
Interior Spaces
- 2-Story Property
- Fireplace
- Insulated Windows
- Family Room
- Formal Dining Room
Kitchen
- Electric Range
- Microwave
- Dishwasher
- Stainless Steel Appliances
- Granite Countertops
- Disposal
Flooring
- Carpet
- Vinyl
Bedrooms and Bathrooms
- 3 Bedrooms
- 2 Full Bathrooms
Unfinished Basement
- Basement Fills Entire Space Under The House
- Laundry in Basement
Home Security
- Closed Circuit Camera
- Fire Sprinkler System
Outdoor Features
- Deck
Schools
- Ninth District Elementary School
- Holmes Middle School
- Holmes Senior High School
Utilities
- Central Air
- Heating System Uses Natural Gas
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 056-12-02-006.00
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Sep 7, 2022
Closed on
Oct 7, 2022
Sold by
Bulmer Meredith L
Bought by
Justice Garrett J and Justice Jeffrey T
Seller's Agent
Lauren Schmerge Smith
Huff Realty - Ft. Mitchell
Buyer's Agent
The Cindy Shetterly Team
Keller Williams Realty Servs
List Price
$185,000
Sold Price
$190,000
Premium/Discount to List
$5,000
2.7%
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$45,242
Avg. Annual Appreciation
6.50%
Original Mortgage
$186,558
Outstanding Balance
$180,189
Interest Rate
5.66%
Mortgage Type
FHA
Estimated Equity
$48,334
Purchase Details
Closed on
Feb 23, 2017
Sold by
Tri State Home Buyers Llc
Bought by
Bulmer Meredith L
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$10,000
Interest Rate
4.12%
Mortgage Type
Future Advance Clause Open End Mortgage
Purchase Details
Closed on
Jul 14, 2016
Sold by
Secretary Of Housing & Urban Development
Bought by
Tri State Home Buyers Llc
Purchase Details
Closed on
Oct 7, 2015
Sold by
Wells Fargo Bank National Association
Bought by
Secretary Of Housing & Urban Development
Purchase Details
Closed on
Aug 10, 2015
Sold by
Rodgers Steven
Bought by
Wells Fargo Bank National Association and Wells Fargo Bank Minnesota Na
Purchase Details
Closed on
Aug 26, 1997
Sold by
Breaden B Jodi
Bought by
Rodgers Steven and Rodgers Laura
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$78,744
Interest Rate
7.5%
Mortgage Type
FHA
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| Justice Garrett J | $190,000 | 360 American Title | |
| Bulmer Meredith L | -- | None Available | |
| Tri State Home Buyers Llc | $40,720 | 360 American Title | |
| Secretary Of Housing & Urban Development | -- | Attorney | |
| Wells Fargo Bank National Association | $45,334 | None Available | |
| Rodgers Steven | $79,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | Justice Garrett J | $186,558 | |
| Closed | Justice Garrett J | $10,000 | |
| Previous Owner | Bulmer Meredith L | $10,000 | |
| Previous Owner | Rodgers Steven | $78,744 |
Source: Public Records
Property History
| Date | Event | Price | Change | Sq Ft Price |
|---|---|---|---|---|
| 10/07/2022 10/07/22 | Sold | $190,000 | +2.7% | $117 / Sq Ft |
| 09/08/2022 09/08/22 | Pending | -- | -- | -- |
| 09/07/2022 09/07/22 | For Sale | $185,000 | -- | $114 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2024 | $2,499 | $190,000 | $5,000 | $185,000 |
| 2023 | $2,531 | $190,000 | $5,000 | $185,000 |
| 2022 | $1,968 | $146,200 | $5,000 | $141,200 |
| 2021 | $1,718 | $109,900 | $5,000 | $104,900 |
| 2020 | $1,709 | $109,900 | $5,000 | $104,900 |
| 2019 | $1,728 | $109,900 | $5,000 | $104,900 |
| 2018 | $1,764 | $109,900 | $5,000 | $104,900 |
| 2017 | $710 | $40,700 | $10,000 | $30,700 |
| 2015 | $2,081 | $100,000 | $10,000 | $90,000 |
| 2014 | $3,288 | $100,000 | $10,000 | $90,000 |
Source: Public Records
Agents Affiliated with this Home
-
Lauren Schmerge Smith
-
T
Buyer's Agent in 2022
The Cindy Shetterly Team
Keller Williams Realty Servs
-
Cindy Shetterly
Buyer's Agent in 2022
Cindy Shetterly
Keller Williams Realty Services
(859) 992-9905
18 in this area
1,958 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 607670
APN: 056-12-02-006.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2025 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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