11 E 5th St, Covington, KY 41011 Property Records

Kenton County property record for 11 E 5th St, Covington, KY 41011

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	2,961 sqft · built 1905
Lot Size	0.023 acres (998 sqft)
Owner	Company Name on Record
Last Sale	$17,500 (Jul 2014)
Tax Bill	$4,438 (2025)
Deeds & Mortgages	Aug 2021 Construction Loan Jan 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-05-003.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-05-003.00`

Interior

Building Area	2,961 sqft Finished Area

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	998 sqft (0.023 acres)
Lot Dimensions	47.5 ft deep x 21 ft wide

Location & Zoning

Street Address	11 E 5TH ST
City	COVINGTON
State	KY
Zip	41011-1566
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Legal Description	ORIGINAL PLAT OF COV LOT 261 21'X 47.5'
Legal Subdivision	ORIGINAL PLAT OF COV
Legal Lot Number	261
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2014
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 October 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	250 GRANDVIEW DR, 500, FT MITCHELL, KY 41017-5646
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Construction Mortgage ECCE PROPERTIES LLC
Jan 26, 2018	Deed of Trust, Mortgage US DISTRICT COURT
Jul 17, 2017	Quit Claim Deed, Construction Loan MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2014 · Amount on Record
Deed Sale	Jul 21, 2014 · Amount on Record
Prior Sale	Jun 15, 2010 · Amount on Record
Deed Document Number	201407 21 059 00068
Deed Book / Page	5456 / 112
Last Transfer Date	Jul 14, 2017
Transfer Doc	0005900036
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	11 E 5TH ST, COVINGTON, KY 41011-1566
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 54513, LEXINGTON, KY 40555-4513

Mortgage

Document Number	0005900016
Date	Aug 16, 2021
Book Page	256/797
Instrument	21081605900016

Lender

Name	ECCE PROPERTIES LLC
Type	Non-Lending Institution
Address	COVINGTON, KY 41011

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 10, 2041

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	11 E 5TH ST, COVINGTON, KY 41011-1566
Document Number	0000000061
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Mar 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	11 E 5TH ST COVINGTON KY 410111566, COVINGTON, KY 41011-1566

Mortgage

Document Number	0000000061
Date	Mar 2, 2018
Book Page	0C6363/000265
Instrument	61

Lender

Name	US DISTRICT COURT
Address	COVINGTON, KY

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Mar 1, 2023

July 2017: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jul 17, 2017
Property Address	11 E 5TH ST, COVINGTON, KY 41011-1566
Document Number	0000000036
Book / Page	006202 / 000033
Instrument Date	Jul 14, 2017
Instrument	36
Transaction Type	Construction Loan
Record Updated	Aug 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	9 E 5TH ST COVINGTON KY 410111511, COVINGTON, KY 41011-1511

Mortgage

Document Number	38
Date	Jul 17, 2017
Book Page	0C6202/000037
Instrument	38

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	COVINGTON, KY 41011

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Jul 16, 2022

Mortgage

Document Number	40,
Date	Jul 17, 2017
Book Page	006202/000056
Instrument	40

Lender

Name	CATALYTIC DEV FUNDING CORP
Address	50 E RIVERCENTER BLVD # 429, COVINGTON, KY 41011-1602

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 16, 2022

Interest

Rate Type	Adjustable Rate

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		$350,000 (+4.48%) Land $25,000 Building $325,000	$350,000 (+4.48%) Land $25,000 Building $325,000
2025	$4,438.00 (-0.54%)	$335,000 (-) Land $15,000 Building $320,000	$335,000 (-) Land $15,000 Building $320,000
2023	$4,462.00	$335,000 Land $15,000 Building $320,000	$335,000 Land $15,000 Building $320,000

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
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1978–2025)
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 · 2 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 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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