1009 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 1009 Scott St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,612 sqft
Lot Size	0.064 acres (2,800 sqft)
Owner	Individual Name on File
Last Sale	$403,000 (May 2026)
Tax Bill	$4,372 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-24-07-008.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-07-008.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,612 sqft Finished Area
Gross Area	2,744 sqft

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,800 sqft (0.064 acres)
Lot Dimensions	100 ft deep x 28 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1009 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-3123
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	BAP 1ST PT LOTS 97-98 28X100' WS SCOTT 72' N ROBBINS
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	97,98
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1014
Census Tract	67000

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	710 E 6TH ST, NEWPORT, KY 41071-2014
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage NATIONAL HOME MORTGAGE CORPORATION
Oct 13, 2021	Warranty Deed, Transfer · VA Mortgage NATIONS RELIABLE LENDING LLC
Nov 2, 2020	Warranty Deed, Transfer NOT AVAILABLE
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Oct 13, 2021 · Amount on File
Deed Document Number	2026052811037
Deed Book / Page	438 / 147
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	May 28, 2026
Property Address	1009 SCOTT ST, COVINGTON, KY 41011-3123
Document Number	0000011037
Book / Page	438 / 147
Instrument Date	May 13, 2026
Instrument	202611037
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40,703.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 E 6TH ST, NEWPORT, KY 41071-2014

Mortgage

Document Number	0000011419,
Date	May 28, 2026
Book Page	440/501
Instrument	2026060211419

Lender

Name	NATIONAL HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 13, 2021
Property Address	1009 SCOTT ST, COVINGTON, KY 41011-3123
Document Number	0005900126
Book / Page	123 / 410
Map Reference	PG 350
Instrument Date	Jul 16, 2021
Instrument	21101305900126
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	AMERICAN HOMELAND TITLE AGCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 TAMARA CT, SOUTH LEBANON, OH 45065-1153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 SCOTT ST, COVINGTON, KY 41011-3123

Mortgage

Document Number	0005900127
Date	Oct 13, 2021
Book Page	284/232
Instrument	21101305900127

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Aug 1, 2051

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 2, 2020
Property Address	1009 SCOTT ST, COVINGTON, KY 41011-3123
Document Number	0000000006
Book / Page	000052 / 000636
Instrument Date	Sep 14, 2020
Instrument	6
Transaction Type	Transfer
Record Updated	Nov 26, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1009 SCOTT ST COVINGTON KY 410113123, COVINGTON, KY 41011-3123

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1009 SCOTT ST, COVINGTON, KY 41011-3123
Document Number	0000000159
Book / Page	0C6137 / 000178
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	May 16, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1009 SCOTT ST COVINGTON KY 410113123, COVINGTON, KY 41011-3123

Mortgage

Document Number	0000000159
Date	Apr 17, 2017
Book Page	0C6137/000178
Instrument	159

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 16, 2047

Tax Assessment & Valuation

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		$330,000 (-) Land $10,000 Building $320,000	$330,000 (-) Land $10,000 Building $320,000
2025	$4,372.00 (-0.52%)	$330,000 (-) Land $5,000 Building $325,000	$330,000 (-) Land $5,000 Building $325,000
2023	$4,395.00	$330,000 Land $5,000 Building $325,000	$330,000 Land $5,000 Building $325,000

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	22 (1978–2018)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 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

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 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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