1039 Russell St, Covington, KY 41011 Property Records

Kenton County property record for 1039 Russell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,063 sqft · built 1850
Lot Size	0.06 acres (2,635 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,000 (Sep 2019)
Tax Bill	$3,286 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-32-012.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-32-012.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,063 sqft Finished Area
Gross Area	2,377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,635 sqft (0.06 acres)
Lot Dimensions	85 ft deep x 31 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1039 RUSSELL ST
City	COVINGTON
State	KY
Zip	41011-3064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOTS 191-192 BAP 1ST BEING 31X85' WS RUSSELL ST 70' N OF 11TH
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	191,19
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

Source: Kenton County records, as of October 20, 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 Record
Mailing Address	1039 RUSSELL ST, COVINGTON, KY 41011-3064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 26, 2019	Warranty Deed, Transfer · Conventional with PMI PROSPERITY HM MTG
Mar 21, 2019	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NAT'L BK
Dec 23, 2016	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Oct 30, 2007 · Amount on Record
Deed Document Number	201909 26 059 00343
Deed Book / Page	6763 / 132
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1039 RUSSELL ST, COVINGTON, KY 41011-3064
Transaction Type	Mortgage
Record Updated	Sep 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900075
Date	Aug 20, 2021
Book Page	259/626
Instrument	21082005900075

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Sep 26, 2019
Property Address	1039 RUSSELL ST, COVINGTON, KY 41011-3064
Document Number	0000000343
Book / Page	0C6763 / 000132
Instrument Date	Sep 20, 2019
Instrument	343
Transaction Type	Transfer
Record Updated	Oct 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$228.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1039 RUSSELL ST COVINGTON KY 410113064, COVINGTON, KY 41011-3064

Mortgage

Document Number	344
Date	Sep 26, 2019
Book Page	0C6763/000135
Instrument	344

Lender

Name	PROSPERITY HM MTG
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2049

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1039 RUSSELL ST, COVINGTON, KY 41011-3064
Document Number	0000000079
Instrument Date	Mar 21, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 RUSSELL ST COVINGTON KY 410113064, COVINGTON, KY 41011-3064

Mortgage

Document Number	0000000079
Date	Apr 8, 2019
Book Page	0C6634/000243
Instrument	79

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 7, 2049

Interest

Rate Type	Adjustable Rate

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1039 RUSSELL ST, COVINGTON, KY 41011-3064
Document Number	0000000132
Instrument Date	Dec 23, 2016
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1039 KUSSELL ST COVINGTON KY 41011, COVINGTON, KY 41011

Mortgage

Document Number	0000000132
Date	Jan 18, 2017
Book Page	0C6077/000001
Instrument	132

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 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		$255,400 (+2.98%) Land $10,000 Building $245,400	$255,400 (+2.98%) Land $10,000 Building $245,400
2025	$3,286.00 (-0.51%)	$248,000 (-) Land $5,000 Building $243,000	$248,000 (-) Land $5,000 Building $243,000
2023	$3,303.00	$248,000 Land $5,000 Building $243,000	$248,000 Land $5,000 Building $243,000

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

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

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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