106 E 4th St, #12, Covington, KY 41011 Property Records

Kenton County property record for 106 E 4th St, #12, Covington, KY 41011

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	8,426 sqft · built 1840
Lot Size	0.073 acres (3,182 sqft)
Owner	Individual Name on Record
Last Sale	$1,050,000 (May 2009)
Tax Bill	$9,765 (2025)
Deeds & Mortgages	May 2026 Transfer Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-14-07-006.00`

Property Details

APN / Parcel Number

Primary APN	`054-14-07-006.00`

Interior

Building Area	8,426 sqft Finished Area

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Lot Area	3,182 sqft (0.073 acres)
Lot Dimensions	74.7 ft deep x 126 ft wide

Location & Zoning

Street Address	106 E 4TH ST, 12
City	COVINGTON
State	KY
Zip	41011-1688
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	ORIGINAL PLAT OF COV PTS 170 THRU 172 126'X 74.67' IRREG NEC 4TH & SCOTT STS
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Phase	72
Legal Lot Number	170
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4038
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Covington Downtown Commercial Historic District listed 1983 · 250 contributing resources · NRIS 83002804

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 May 27, 2026

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	933 BAXTER AVE, LOUISVILLE, KY 40204-2046
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 6, 2021	Quit Claim Deed, Construction Loan STOCKYARD BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2009 · Amount on Record
Deed Sale	May 5, 2009 · Amount on Record
Prior Sale	Jul 30, 2007 · Amount on Record
Deed Document Number	200905 05 059 00006
Deed Book / Page	4000 / 114
Last Transfer Date	Jan 5, 2021
Transfer Doc	0000000160
Record Updated	Sep 20, 2026

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	May 6, 2026
Property Address	106 E 4TH ST, 12, COVINGTON, KY 41011-1688
Document Number	0000009279
Book / Page	426 / 26
Instrument Date	Apr 23, 2026
Instrument	20269279
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	933 BAXTER AVE, LOUISVILLE, KY 40204-2046

January 2021: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 6, 2021
Property Address	106 E 4TH ST # 12, 12, COVINGTON, KY 41011-1688
Document Number	0000000160
Book / Page	000064 / 000901
Instrument Date	Jan 5, 2021
Instrument	160
Transaction Type	Construction Loan
Record Updated	Mar 5, 2021
Title Company	EXCEL TITLE SERVICES INC, EXCEL TITLE SVCS INC

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	933 BAXTER AVE LOUISVILLE KY 402042046, LOUISVILLE, KY 40204-2046

Mortgage

Document Number	188
Date	Jan 6, 2021
Book Page	00M150/000866
Instrument	188

Lender

Name	STOCKYARD BK&TR
Type	Bank
Address	LOUISVILLE, KY 40232-2890

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jan 5, 2026

Mortgage

Document Number	161,
Date	Jan 6, 2021
Book Page	00M150/000757
Instrument	161

Lender

Name	STOCKYARD BK&TR
Type	Bank
Address	LOUISVILLE, KY 40232-2890

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 5, 2026

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
2025	$9,765.00 (-0.52%)	$737,000 (-) Land $362,000 Building $375,000	$737,000 (-) Land $362,000 Building $375,000
2023	$9,816.00	$737,000 Land $362,000 Building $375,000	$737,000 Land $362,000 Building $375,000

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
Flood Insurance Cost	Premium on Record median of 22 individual policies
Nearby Flood Policies	104 units insured incl. 82 condo units
Nearby Flood Claims	9 (1997–2025)
Claims Outside the SFHA	2 of 9
Most Recent Claim	Apr 2025 · Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, Flooding, Landslides, And Mudslides, Apr 2025 · 4 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 97% of the US · lower than 97.3% 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 326 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
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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