1 Riverside Pl, Unit 308, Covington, KY 41011 Property Records

Kenton County property record for 1 Riverside Pl, Unit 308, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,374 sqft · built 1984
Owner	2 Company Names on File
Last Sale	$370,000 (Aug 2005)
Tax Bill	$5,709 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`854-14-12-003.18`

Property Details

APN / Parcel Number

Primary APN	`854-14-12-003.18`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,374 sqft Finished Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Concrete

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Street Address	1 RIVERSIDE PL, 308
City	COVINGTON
State	KY
Zip	41011-1780
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	RIVERSIDE TERRACE CONDOS UNIT 308
Legal Subdivision	RIVERSIDE TERRACE
Legal Lot Number	308
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4028
Census Tract	67000

Owner

1 Riverside Pl, Unit 308 is owned by a company that acquired it in August 2024 and is owner-occupied.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Company Names on File
Mailing Address	1 RIVERSIDE PL, 308, COVINGTON, KY 41011-1780
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2021	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK
Jan 23, 2020	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2005 · Amount on File
Deed Sale	Aug 22, 2005 · Amount on File
Deed Document Number	200508 22 059 00084
Deed Book / Page	2718 / 150
Last Transfer Date	Aug 29, 2024
Transfer Doc	0005900177
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1 RIVERSIDE PL UNIT 308, 308, COVINGTON, KY 41011-1780
Transaction Type	Mortgage
Record Updated	Jan 5, 2024
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900083
Date	Oct 21, 2021
Book Page	288/611
Instrument	21102105900083

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1 RIVERSIDE PL UNIT 308, 308, COVINGTON, KY 41011-1780
Document Number	0000000016
Instrument Date	Jan 23, 2020
Transaction Type	Mortgage
Record Updated	Mar 31, 2020
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1 RIVERSIDE PL #SUITE308 COVINGTON KY 410111735, COVINGTON, KY 41011-1735

Mortgage

Document Number	0000000016
Date	Feb 20, 2020
Book Page	000M13/000435
Instrument	16

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 19, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1 Riverside Pl, Unit 308 was $5,709 with a homeowner's exemption.

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	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$549,600 (+14.5%) Building $549,600	$549,600 (+14.5%) Building $549,600
2025	$5,709.00 Homeowner's exemption	$480,000 Building $480,000	$480,000 Building $480,000
2023	$5,775.00 Homeowner's exemption	$480,000 Building $480,000	$480,000 Building $480,000

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

Flood

FEMA maps place 1 Riverside Pl, Unit 308 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 22 individual policies
Nearby Flood Policies	104 units insured incl. 82 condo units
Nearby Flood Claims	9 (1997–2025)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1 Riverside Pl, Unit 308 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 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: altafiber Network Solutions, Verizon.

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