Kenton County property record for 1109 Lee St, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,824 sqft · built 1908 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $55,000 (Aug 2023) |
| Tax Bill | $5,498 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Aug 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 054-22-09-013.00 |
| Primary APN | 054-22-09-013.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Finished Area |
| Gross Area | 2,146 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Material | Metal |
| Lot Area | 2,178 sqft (0.05 acres) |
| Lot Dimensions | 90 ft deep x 25 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1109 LEE ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-2210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEHMER LOT 28 |
| Legal Subdivision | LEHMER |
| Legal Phase | 2 |
| Legal Lot Number | 28 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 60700 |
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 | 1109 LEE ST, COVINGTON, KY 41011-2210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2026 | Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE AFFINITY LLC |
| Aug 7, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 30, 2020 | Deed of Trust, Mortgage · VA Mortgage GUARDIAN SVGS BK |
| Oct 5, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage GUARDIAN SVGS BK |
| Feb 11, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Nov 25, 2019 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 17, 2023 · Amount on Record |
| Deed Sale | Aug 17, 2023 · Amount on Record |
| Prior Sale | Aug 17, 2023 · Amount on Record |
| Deed Document Number | 2023172 |
| Deed Book / Page | 242 / 258 |
| Prior Transfer Date | Feb 5, 2020 |
| Prior Transfer Doc | 0000000118 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 7, 2026 |
| Property Address | 1109 LEE ST, COVINGTON, KY 41011-2210 |
| Document Number | 0000022900 |
| Book / Page | 509 / 343 |
| Instrument Date | Sep 30, 2026 |
| Instrument | 2026100722900 |
| Transaction Type | Mortgage |
| Record Updated | Oct 23, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 50 E 7TH ST, FAYETTEVILLE, AR 72701-6519 |
| Document Number | 0000022900, |
|---|---|
| Date | Oct 7, 2026 |
| Book Page | 509/343 |
| Instrument | 2026100722900 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1109 LEE ST, COVINGTON, KY 41011-2210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3826 RED FOX DR, CINCINNATI, OH 45245-2754 |
| Document Number | 0005900026 |
|---|---|
| Date | Aug 7, 2023 |
| Book Page | KCM 482/407 |
| Instrument | 23080705900026 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1109 LEE ST, COVINGTON, KY 41011-2210 |
| Document Number | 0000000187 |
| Instrument Date | Sep 30, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1109 LEE ST COVINGTON KY 410112210, COVINGTON, KY 41011-2210 |
| Document Number | 0000000187 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 00M106/000972 |
| Instrument | 187 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 5, 2020 |
| Property Address | 1109 LEE ST, COVINGTON, KY 41011-2210 |
| Document Number | 0000000186 |
| Book / Page | 000047 / 000250 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 186 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 28, 2020 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1109 LEE ST COVINGTON KY 410112210, COVINGTON, KY 41011-2210 |
| Document Number | 187 |
|---|---|
| Date | Oct 5, 2020 |
| Book Page | 00M106/000972 |
| Instrument | 187 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Feb 11, 2020 |
| Property Address | 1109 LEE ST, COVINGTON, KY 41011-2210 |
| Document Number | 0000000118 |
| Book / Page | 000006 / 000737 |
| Instrument Date | Feb 5, 2020 |
| Instrument | 118 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1310 SYCAMORE ST #312 CINCINNATI OH 452020014, 312, CINCINNATI, OH 45202-0014 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Nov 25, 2019 |
| Property Address | 1109 LEE ST, COVINGTON, KY 41011-2210 |
| Document Number | 0000000236 |
| Book / Page | 0C6810 / 000211 |
| Instrument Date | Nov 15, 2019 |
| Instrument | 236 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $72.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2121 SUTTON AVE #B CINCINNATI OH 452301690, B, CINCINNATI, OH 45230-1690 |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $415,000 (-) Land $10,000 Building $405,000 | $415,000 (-) Land $10,000 Building $405,000 | |
| 2025 | $5,498.00 (+5.31%) | $415,000 (+5.87%) Land $5,000 Building $410,000 | $415,000 (+5.87%) Land $5,000 Building $410,000 |
| 2023 | $5,221.00 | $392,000 Land $5,000 Building $387,000 | $392,000 Land $5,000 Building $387,000 |
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
| 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.
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.
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 720 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 | 300 / 20 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures