1 Riverside Pl, Unit 309, Covington, KY 41011 Property Records

Kenton County property record for 1 Riverside Pl, Unit 309, Covington, KY 41011

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,428 sqft · built 1984
Owner	Trust Name on File
Last Sale	$318,000 (Jul 2018)
Tax Bill	$4,730 (2025)
Deeds & Mortgages	May 2020 Transfer Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`854-14-12-003.19`

Property Details

APN / Parcel Number

Primary APN	`854-14-12-003.19`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,428 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

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, 309
City	COVINGTON
State	KY
Zip	41011-1780
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	RIVERSIDE TERRACE CONDOS UNIT 309
Legal Subdivision	RIVERSIDE TERRACE
Legal Lot Number	309
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4028
Census Tract	67000

Owner

1 Riverside Pl, Unit 309 is held in a trust since May 2020.

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

Owner of Record	Trust Name on File
Mailing Address	14813 SOARING EAGLE CT, FORT MYERS, FL 33912-1827
Owner Type	Company
Vesting	Trust

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
May 29, 2020	Quit Claim Deed, Transfer PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC
Jul 11, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SVGS BK
Jun 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2018 · Amount on File
Deed Sale	Jul 11, 2018 · Amount on File
Prior Sale	Aug 2, 2013 · Amount on File
Deed Document Number	201807 11 059 00101
Deed Book / Page	6450 / 253
Last Transfer Date	May 5, 2020
Transfer Doc	0005900106
Record Updated	Oct 29, 2026

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 29, 2020
Property Address	1 RIVERSIDE PL UNIT 309, 309, COVINGTON, KY 41011-1780
Document Number	0000000106
Book / Page	000023 / 000683
Instrument Date	May 21, 2020
Instrument	106
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	10420 PESO DEL RIO DR FORT MYERS FL 339082028, FORT MYERS, FL 33908-2028

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jul 11, 2018
Property Address	1 RIVERSIDE PL UNIT 309, 309, COVINGTON, KY 41011-1780
Document Number	0000000101
Book / Page	ORC645 / 000253
Instrument Date	Jul 3, 2018
Instrument	101
Transaction Type	Transfer
Record Updated	Oct 5, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$318.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1 RIVERSIDE PL #309 COVINGTON KY 410111780, 309, COVINGTON, KY 41011-1780

Mortgage

Document Number	102
Date	Jul 11, 2018
Book Page	0C6450/000256
Instrument	102

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 10, 2033

Mortgage

Document Number	114,
Date	Jul 11, 2018
Book Page	0C6502/000112
Instrument	114

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 10, 2033

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1 RIVERSIDE PL UNIT 309, 309, COVINGTON, KY 41011-1780
Document Number	0000000122
Book / Page	0C6182 / 000189
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2017
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1 RIVERSIDE PL #309 COVINGTON KY 410111780, 309, COVINGTON, KY 41011-1780

Mortgage

Document Number	0000000122
Date	Jun 16, 2017
Book Page	0C6182/000189
Instrument	122

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1 Riverside Pl, Unit 309 was $4,730.

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		$359,800 (+0.78%) Building $359,800	$359,800 (+0.78%) Building $359,800
2025	$4,730.00	$357,000 Building $357,000	$357,000 Building $357,000
2023	$4,755.00	$357,000 Building $357,000	$357,000 Building $357,000

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 309 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 309 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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