Kenton County property record for 10956 Marshall Rd, Covington, KY 41015
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,080 sqft · built 1994 |
| Lot Size | 1.47 acres (64,033 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $252,500 (Aug 2008) |
| Tax Bill | $3,940 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 061-20-00-017.04 |
| Primary APN | 061-20-00-017.04 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,080 sqft Finished Area |
| Gross Area | 2,720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Brick |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 64,033 sqft (1.47 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 10956 MARSHALL RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-9326 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHAW ESTATES SEC 1 LOT 4 |
| Legal Subdivision | SHAW ESTATES |
| Legal Phase | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | INDEPENDENCE |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 65800 |
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 | 10956 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage REPUBLIC BK&TR |
| Aug 8, 2019 | Deed of Trust, Mortgage SIBCY CLINE MTG SVCS |
| Sep 11, 2018 | Deed of Trust, Mortgage · Conventional with PMI HUNTINGTON NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2008 · Amount on Record |
| Deed Sale | Aug 1, 2008 · Amount on Record |
| Prior Sale | Aug 1, 2008 · Amount on Record |
| Deed Document Number | 200808 01 059 00071 |
| Deed Book / Page | 2356 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10956 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Document Number | 0000000409 |
| Instrument Date | Mar 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10956 MARSHALL RD COVINGTON KY 410159326, COVINGTON, KY 41015-9326 |
| Document Number | 0000000409 |
|---|---|
| Date | Mar 23, 2020 |
| Book Page | 000M24/000104 |
| Instrument | 409 |
| Name | REPUBLIC BK&TR |
|---|---|
| Type | Bank |
| Address | LOUISVILLE, KY 40202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 22, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10956 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Document Number | 0000000157 |
| Instrument Date | Aug 8, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 27, 2019 |
| Title Company | SIBCY CLINE TITLE AGENCY LLC, SIBCY CLINE TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10956 MARSHALL RD COVINGTON KY 410159326, COVINGTON, KY 41015-9326 |
| Document Number | 0000000157 |
|---|---|
| Date | Aug 15, 2019 |
| Book Page | 0I4312/000112 |
| Instrument | 157 |
| Name | SIBCY CLINE MTG SVCS |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45236 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 14, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 10956 MARSHALL RD, COVINGTON, KY 41015-9326 |
| Document Number | 0000000110 |
| Instrument Date | Sep 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2018 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10956 MARSHALL RD COVINGTON KY 410159326, COVINGTON, KY 41015-9326 |
| Document Number | 0000000110 |
|---|---|
| Date | Sep 19, 2018 |
| Book Page | 0I4167/000198 |
| Instrument | 110 |
| Name | HUNTINGTON NAT'L BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43219 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 18, 2033 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $338,800 (-) Land $65,000 Building $273,800 | $338,800 (-) Land $65,000 Building $273,800 | |
| 2025 | $3,940.00 (+7.53%) | $338,800 (+16.67%) Land $65,000 Building $273,800 | $338,800 (+16.67%) Land $65,000 Building $273,800 |
| 2023 | $3,664.00 | $290,400 Land $40,000 Building $250,400 | $290,400 Land $40,000 Building $250,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 2 in force |
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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 84 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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