1046 Banklick St, Covington, KY 41011 Property Records

Kenton County property record for 1046 Banklick St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 2,048 sqft
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on File
Last Sale	$151,000 (Dec 2023)
Tax Bill	$3,312 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-22-32-017.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-32-017.00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,048 sqft Finished Area

Exterior

Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	1,742 sqft (0.04 acres)
Lot Dimensions	85 ft deep x 20 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1046 BANKLICK ST
City	COVINGTON
State	KY
Zip	41011-3073
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	20 FT ES BANKLICK 90' N 11TH
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	474,47
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

1046 Banklick St, a duplex, is owned by a company that bought it in December 2023.

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

Owner of Record	Company Name on File
Mailing Address	632 RACE ST, 2, CINCINNATI, OH 45202-2323
Owner Type	Company
Vesting	Company

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
Dec 22, 2023	Deed, Transfer · Balloon Mortgage GOLDEN EMPIRE MORTGAGE INC
Oct 29, 2020	Warranty Deed, Transfer THOMAS P & PATRICIA A ARLINGHAUS
Oct 23, 2020	Deed of Trust, Mortgage · Conventional with PMI THOMAS P & PATRICIA A ARLINGHAUS
Apr 15, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2023 · Amount on File
Deed Sale	Dec 22, 2023 · Amount on File
Prior Sale	Oct 29, 2020 · Amount on File
Deed Document Number	202323
Deed Book / Page	262 / 635
Record Updated	Oct 29, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Dec 22, 2023
Property Address	1046 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0005900023
Book / Page	KC 262 / 635
Instrument Date	Dec 18, 2023
Instrument	23122205900023
Transaction Type	Transfer
Record Updated	Jan 12, 2024
Title Company	KENTUCKY LAND TITLE AGENCY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$151.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6380 ALEXANDRA CT, INDEPENDENCE, KY 41051-2000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 18008, ERLANGER, KY 41018-0008

Mortgage

Document Number	0005900024
Date	Dec 22, 2023
Instrument	23122205900024

Lender

Name	GOLDEN EMPIRE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Balloon Mortgage
Amount	Amount on Record
Term	12 Months
Due	Dec 18, 2024

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 29, 2020
Property Address	1046 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0000000179
Book / Page	000052 / 000299
Instrument Date	Oct 23, 2020
Instrument	179
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6380 ALEXANDRA CT INDEPENDENCE KY 410512000, INDEPENDENCE, KY 41051-2000

Mortgage

Document Number	M1170925
Date	Oct 29, 2020
Book Page	00M117/000925

Lender

Name	THOMAS P & PATRICIA A ARLINGHAUS
Address	3126 MADONNA DR, EDGEWOOD, KY 41017-2623
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 28, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1046 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	00M1170925
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1913 ALEXANDRIA PIKE HIGHLAND HEIGHTS KY 410761140, HIGHLAND HEIGHTS, KY 41076-1140

Mortgage

Document Number	00M1170925
Date	Oct 29, 2020
Book Page	00M117/000925

Lender

Name	THOMAS P & PATRICIA A ARLINGHAUS
Address	3126 MADONNA DR, EDGEWOOD, KY 41017-2623

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Oct 28, 2035

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2020
Property Address	1046 BANKLICK ST, COVINGTON, KY 41011-3073
Document Number	0000000014
Book / Page	000016 / 000807
Instrument Date	Mar 24, 2020
Instrument	14
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$190.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6380 ALEXANDRA CT INDEPENDENCE KY 410512000, INDEPENDENCE, KY 41051-2000

Tax Assessment & Valuation

The 2025 property tax bill for 1046 Banklick St was $3,312.

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		$250,000 (-) Land $10,000 Building $240,000	$250,000 (-) Land $10,000 Building $240,000
2025	$3,312.00	$250,000 Land $5,000 Building $245,000	$250,000 Land $5,000 Building $245,000
2023	$865.00	$65,000 Land $5,000 Building $60,000	$65,000 Land $5,000 Building $60,000

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

Flood

FEMA maps place 1046 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 1046 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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