1041 Russell St, Covington, KY 41011 Property Records

Kenton County property record for 1041 Russell St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,040 sqft · built 1875
Lot Size	0.069 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$630,000 (Sep 2024)
Tax Bill	$8,347 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-32-013.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-32-013.00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	3,040 sqft Finished Area
Gross Area	3,220 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1875
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	3,049 sqft (0.069 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	0542232013.00
Street Address	1041 RUSSELL ST
City	COVINGTON
State	KY
Zip	41011-3064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT LOTS 192-193 BAP 1ST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	192,19 193
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 November 27, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	1041 RUSSELL ST, COVINGTON, KY 41011-3064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Jun 13, 2024	Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2024 · Amount on Record
Deed Sale	Sep 30, 2024 · Amount on Record
Prior Sale	Aug 3, 2012 · Amount on Record
Deed Document Number	0000307324
Deed Book / Page	307 / 324
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1041 RUSSELL ST, COVINGTON, KY 41011-3064
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 RUSSELL ST, COVINGTON, KY 41011-3064

Mortgage

Document Number	0000002976
Date	Feb 16, 2026
Book Page	734/269
Instrument	26059000002976

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1041 RUSSELL ST, COVINGTON, KY 41011-3064
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1041 RUSSELL ST, COVINGTON, KY 41011-3064

Mortgage

Document Number	0005900168
Date	Aug 10, 2022
Book Page	396/820
Instrument	22081005900168

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 21, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1041 RUSSELL ST, COVINGTON, KY 41011-3064
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 RUSSELL ST, COV, KY 41011

Mortgage

Document Number	0005900157
Date	Jun 13, 2024
Book Page	KCM 556/420
Instrument	24061305900157

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 2, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1041 RUSSELL ST, COVINGTON, KY 41011-3064
Document Number	0000000169
Instrument Date	Dec 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1041 RUSSELL ST COVINGTON KY 410113064, COVINGTON, KY 41011-3064

Mortgage

Document Number	0000000169
Date	Dec 8, 2020
Book Page	00M137/000822
Instrument	169

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 7, 2035

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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
2025	$8,347.00 (+119.89%)	$630,000 (+121.05%) Land $5,000 Building $625,000	$630,000 (+121.05%) Land $5,000 Building $625,000
2023	$3,796.00	$285,000 Land $5,000 Building $280,000	$285,000 Land $5,000 Building $280,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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