Kenton County property record for 12 Inez St, Covington, KY 41015
| Property Type | Gym, Health Spa |
|---|---|
| Details | 3,910 sqft · built 1924 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Company Name on Record |
| Last Sale | $130,000 (Apr 2013) |
| Tax Bill | $1,722 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Sep 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 056-14-08-004.00 |
| Primary APN | 056-14-08-004.00 |
|---|
| Building Area | 3,910 sqft Finished Area |
|---|
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Lot Area | 11,326 sqft (0.26 acres) |
| Street Address | 12 INEZ ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41015-1444 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Gym, Health Spa |
| Legal Description | SEHON LOTS 405-406-412 & E 31 1,3' 413 SS 36TH ST |
| Legal Subdivision | SEHON |
| Legal Phase | 13 |
| Legal Lot Number | 412,405 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 61300 |
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 | 6467 COTTONTAIL TRL, BURLINGTON, KY 41005-9660 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Apr 20, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST COMMONWEALTH BANK |
| Sep 18, 2018 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Mar 23, 2018 | Deed of Trust, Mortgage BRANCH BK&TR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 12, 2013 · Amount on Record |
| Deed Sale | Apr 12, 2013 · Amount on Record |
| Deed Document Number | 201304 12 059 00232 |
| Deed Book / Page | 5138 / 78 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 12 INEZ ST, COVINGTON, KY 41015-1444 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2023 |
| Name | Verified Name |
|---|---|
| Address | 12 INEZ ST, COVINGTON, KY 41015-1444 |
| Document Number | 0005900189 |
|---|---|
| Date | Apr 20, 2023 |
| Book Page | KCM 455/478 |
| Instrument | 23042005900189 |
| Name | FIRST COMMONWEALTH BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 13, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 12 INEZ ST, COVINGTON, KY 41015-1444 |
| Document Number | 0000000177 |
| Instrument Date | Sep 18, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12 INEZ ST COVINGTON KY 410151444, COVINGTON, KY 41015-1444 |
| Document Number | 0000000177 |
|---|---|
| Date | Oct 2, 2018 |
| Book Page | 0C6513/000324 |
| Instrument | 177 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | FORT WRIGHT, KY 41011 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 1, 2023 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 12 INEZ ST, COVINGTON, KY 41015-1444 |
| Document Number | 0000000183 |
| Instrument Date | Mar 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 12 INEZ ST COVINGTON KY 410151444, COVINGTON, KY 41015-1444 |
| Document Number | 0000000183 |
|---|---|
| Date | Apr 2, 2018 |
| Book Page | 0C6381/000071 |
| Instrument | 183 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | DAYTON, KY 41074 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Apr 1, 2023 |
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 | $155,000 (+19.23%) Land $39,000 Building $116,000 | $155,000 (+19.23%) Land $39,000 Building $116,000 | |
| 2025 | $1,722.00 (-0.52%) | $130,000 (-) Land $39,000 Building $91,000 | $130,000 (-) Land $39,000 Building $91,000 |
| 2023 | $1,731.00 | $130,000 Land $39,000 Building $91,000 | $130,000 Land $39,000 Building $91,000 |
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 | Not rated no burnable land within 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 756 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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