1001 Russell St, #3, Covington, KY 41011 Property Records

Kenton County property record for 1001 Russell St, #3, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,664 sqft · built 1866
Lot Size	0.098 acres (4,250 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Jul 2024)
Tax Bill	$8,612 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-31-004.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-31-004.00`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,664 sqft Finished Area
Gross Area	3,688 sqft

Exterior

Year Built	Built 1866
Effective Year Built	Effective 1866
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	4,250 sqft (0.098 acres)
Lot Dimensions	85 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1001 RUSSELL ST, 3
City	COVINGTON
State	KY
Zip	41011-3052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	182 BA 1ST 50X85' SWC RUSSELL & 10TH
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	182
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
Census Tract	60700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Seminary Square Historic District listed 1980 · 128 contributing resources · NRIS 80001647

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1001 Russell St, #3 is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1001 RUSSELL ST, 3, COVINGTON, KY 41011-3052
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jan 20, 2026	Deed of Trust, Mortgage · VA Mortgage OPUS HOME LOANS INC
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA
Oct 5, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/NTHRN KY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2024 · Amount on File
Deed Sale	Jul 5, 2024 · Amount on File
Prior Sale	Feb 23, 2007 · Amount on File
Deed Document Number	2024243
Deed Book / Page	293 / 442
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1001 RUSSELL ST # 3, 3, COVINGTON, KY 41011-3052
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1003 RUSSELL ST, COVINGTON, KY 41011-3052

Mortgage

Document Number	0000001214
Date	Jan 20, 2026
Book Page	KCM 727/239
Instrument	26059000001214

Lender

Name	OPUS HOME LOANS INC
Type	Mortgage Company
Address	ROCHESTER, MI 48307

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1001 RUSSELL ST # 3, 3, COVINGTON, KY 41011-3052
Document Number	0000000223
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1003 RUSSELL ST COVINGTON KY 410113052, COVINGTON, KY 41011-3052

Mortgage

Document Number	0000000223
Date	Oct 13, 2020
Book Page	00M111/000370
Instrument	223

Lender

Name	FIFTH THIRD BK NA
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 12, 2035

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1001 RUSSELL ST # 3, 3, COVINGTON, KY 41011-3052
Document Number	0000000217
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Dec 3, 2018
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1003 RUSSELL ST COVINGTON KY 410113052, COVINGTON, KY 41011-3052

Mortgage

Document Number	0000000217
Date	Nov 14, 2018
Book Page	0C6545/000038
Instrument	217

Lender

Name	FIFTH THIRD BK/NTHRN KY
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1001 Russell St, #3 was $8,612.

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		$650,000 (-) Land $10,000 Building $640,000	$650,000 (-) Land $10,000 Building $640,000
2025	$8,612.00	$650,000 Land $5,000 Building $645,000	$650,000 Land $5,000 Building $645,000
2023	$4,743.00	$356,100 Land $5,000 Building $351,100	$356,100 Land $5,000 Building $351,100

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

Flood

FEMA maps place 1001 Russell St, #3 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

Wildfire risk around 1001 Russell St, #3 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	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 656 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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