1038 Banklick St, Covington, KY 41011 Property Records

Kenton County property record for 1038 Banklick St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,708 sqft · built 1919
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Feb 2025)
Tax Bill	$4,124 (2025)
Deeds & Mortgages	Mar 2023 Sale Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-32-020.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-32-020.00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,708 sqft Finished Area
Gross Area	1,868 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1038 BANKLICK ST
City	COVINGTON
State	KY
Zip	41011-3073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOT 476 BAP 1ST (NORTH 1/2)
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	476
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
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

1038 Banklick St is owned and occupied by an individual who bought it in February 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Mar 10, 2023	Limited Warranty Deed, Transfer
Feb 27, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 24, 2020	Warranty Deed, Transfer · Conventional with PMI FIFTH THIRD BK
Jan 1, 2019	Deed of Trust, Mortgage · Line of Credit CINCINNATI COM'L FIN LTD
Feb 15, 2018	Trustee's Deed, Construction Loan · Construction Mortgage NEIL WARNER
Feb 2, 2018	Warranty Deed, Construction Loan · Construction Mortgage OTHER INSTITUTIONAL LENDERS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2025 · Amount on File
Deed Sale	Feb 3, 2025 · Amount on File
Prior Sale	Mar 24, 2020 · Amount on File
Deed Document Number	20250203163
Deed Book / Page	327 / 257
Prior Transfer Date	Feb 17, 2023
Prior Transfer Doc	0005900321
Record Updated	Oct 29, 2026

March 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 10, 2023
Property Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0005900178
Book / Page	KC 217 / 243
Instrument Date	Mar 10, 2023
Instrument	23031005900178
Transaction Type	Transfer
Record Updated	May 15, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3534 BROTHERTON RD, CINCINNATI, OH 45209-1305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3534 BROTHERTON RD, CINCINNATI, OH 45209-1305

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Feb 27, 2023
Property Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0005900321
Book / Page	KC 215 / 345
Instrument Date	Feb 17, 2023
Instrument	23022705900321
Transaction Type	Transfer
Record Updated	Dec 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1201 JACKSON ST APT 2, 2, CINCINNATI, OH 45202-5838

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Mar 24, 2020
Property Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0000000423
Book / Page	000013 / 000994
Instrument Date	Feb 26, 2020
Instrument	423
Transaction Type	Transfer
Record Updated	Jun 2, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$278.00
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	1038 BANKLICK ST COVINGTON KY 410113073, COVINGTON, KY 41011-3073

Mortgage

Document Number	424
Date	Mar 24, 2020
Book Page	000M24/000465
Instrument	424

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0000000057
Instrument Date	Jan 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 13, 2019

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8851 MAYROW DR CINCINNATI OH 452491716, CINCINNATI, OH 45249-1716

Mortgage

Document Number	0000000057
Date	Feb 19, 2019
Book Page	0C6603/000105
Instrument	57

Lender

Name	CINCINNATI COM'L FIN LTD
Address	5596 FOLEY RD, CINCINNATI, OH 45238-4614

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	KENTON KY
Recording Date	Feb 15, 2018
Property Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073
Book / Page	0C6355 / 000001
Instrument Date	Jan 25, 2018
Instrument	109
Transaction Type	Construction Loan
Record Updated	Mar 22, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7929 COX RD #4 WEST CHESTER OH 450692465, 4, WEST CHESTER, OH 45069-2465

Mortgage

Document Number	0000000109
Date	Feb 15, 2018
Book Page	0C6355/000001
Instrument	109

Lender

Name	NEIL WARNER

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 14, 2019

February 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 2, 2018
Property Address	1038 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0000000057
Book / Page	0C6345 / 000322
Instrument Date	Jan 19, 2018
Instrument	57
Transaction Type	Construction Loan
Record Updated	Aug 30, 2018
Title Company	PROMINENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$25.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7929 COX ROAD # 4 W CHESTER OH 45059, CHESTER, OH 45059

Mortgage

Document Number	58
Date	Feb 2, 2018
Book Page	0C6345/000325
Instrument	58

Lender

Name	OTHER INSTITUTIONAL LENDERS
Address	LOUISVILLE, KY

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 1, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 1038 Banklick St was $4,124.

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		$310,000 (-0.42%) Land $10,000 Building $300,000	$310,000 (-0.42%) Land $10,000 Building $300,000
2025	$4,124.00	$311,300 Land $5,000 Building $306,300	$311,300 Land $5,000 Building $306,300
2023	$3,888.00 (+0.83%)	$291,900 (-) Land $5,000 Building $286,900	$291,900 (-) Land $5,000 Building $286,900
2022	$3,856.00	$291,900 Land $5,000 Building $286,900	$291,900 Land $5,000 Building $286,900

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

Flood

FEMA maps place 1038 Banklick St 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 1038 Banklick St 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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