1005 Russell St, Covington, KY 41011 Property Records

Kenton County property record for 1005 Russell St, Covington, KY 41011 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,840 sqft · built 1910
Lot Size	0.049 acres (2,125 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (Sep 2023)
Tax Bill	$5,962 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-31-005.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-31-005.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,840 sqft Finished Area
Gross Area	2,112 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Brick
Roof Material	Slate
Lot Area	2,125 sqft (0.049 acres)
Lot Dimensions	85 ft deep x 25 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1005 RUSSELL ST
City	COVINGTON
State	KY
Zip	41011-3052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25X85 PT LOT 183 BAP 1ST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	183
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1006
Census Tract	60700

Owner

Source: Kenton County records · APN 054-22-31-005.00

Assessment roll updated December 2, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 12, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK
Sep 21, 2021	Intrafamily Transfer, Transfer
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENERAL ELECTRIC CU
May 10, 2017	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 19, 2023 · Amount on Record
Deed Sale	Sep 19, 2023 · Amount on Record
Prior Sale	Sep 12, 2022 · Amount on Record
Deed Document Number	202344
Deed Book / Page	246 / 857
Prior Transfer Date	Sep 17, 2021
Prior Transfer Doc	0005900191
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 19, 2023
Property Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052
Document Number	0005900044
Book / Page	KC 246 / 857
Instrument Date	Sep 12, 2023
Instrument	23091905900044
Transaction Type	Transfer
Record Updated	Sep 28, 2023
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052

Mortgage

Document Number	0005900045
Date	Sep 19, 2023
Instrument	23091905900045

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 12, 2022
Property Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052
Document Number	0005900041
Book / Page	189 / 347
Instrument Date	Sep 07, 2022
Instrument	22091205900041
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7912 REMINGTON RD, 7912, MONTGOMERY, OH 45242-7219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052

Mortgage

Document Number	0005900042
Date	Sep 12, 2022
Book Page	405/724
Instrument	22091205900042

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Oct 01, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	Sep 21, 2021
Property Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052
Document Number	0005900191
Book / Page	119 / 214
Instrument Date	Sep 17, 2021
Instrument	21092105900191
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052
Investor	Possibly a Property Investor

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052
Document Number	0000000070
Instrument Date	Jun 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 06, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1005 RUSSELL ST COVINGTON KY 410113052, COVINGTON, KY 41011-3052

Mortgage

Document Number	0000000070
Date	Jun 18, 2020
Book Page	000M59/000502
Instrument	70

Lender

Name	GENERAL ELECTRIC CU
Type	Credit Union
Address	CINCINNATI, OH 45241

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 10, 2017
Property Address	1005 RUSSELL ST, COVINGTON, KY 41011-3052
Document Number	0000000162
Book / Page	0C6155 / 000226
Instrument Date	May 05, 2017
Instrument	162
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	CENTRAL LAND TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1005 RUSSELL ST COVINGTON KY 410113052, COVINGTON, KY 41011-3052

Mortgage

Document Number	163
Date	May 10, 2017
Book Page	0C6155/000229
Instrument	163

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 09, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified August 2026

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

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	$5,962.00 (+9.17%)	$450,000 (+9.76%) Land $5,000 Building $445,000	$450,000 (+9.76%) Land $5,000 Building $445,000
2023	$5,461.00 (+50.36%)	$410,000 (+49.09%) Land $5,000 Building $405,000	$410,000 (+49.09%) Land $5,000 Building $405,000
2022	$3,632.00	$275,000 Land $5,000 Building $270,000	$275,000 Land $5,000 Building $270,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kenton County (21117C), updated June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 656 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Cincinnati Bell	Fiber	3,000 / 3,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

1005 Russell St, Covington, KY 41011 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

September 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

June 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2017: Warranty Deed, Transfer

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Historic Designation

Internet Providers

Nearby Properties on Russell St

Nearby Streets

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