120 E 13th St, Covington, KY 41011 Property Records

Kenton County property record for 120 E 13th St, Covington, KY 41011

Property Summary

Property Type	Vacant Land
Details	1,179 sqft
Lot Size	0.051 acres (2,225 sqft)
Owner	Company Name on Record
Last Sale	$400,000 (Mar 2022)
Tax Bill	$66 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-24-19-020.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-19-020.00`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,179 sqft

Exterior

Lot Area	2,225 sqft (0.051 acres)
Lot Dimensions	89 ft deep x 25 ft wide

Location & Zoning

Old Parcel Number	0542419020.00
Street Address	120 E 13TH ST
City	COVINGTON
State	KY
Zip	41011-3146
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Legal Description	25X89 PT LOT 357 BAP 1ST
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	357
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3008
Census Tract	67100

Historic Designation

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

Historic District	Within the Helentown Historic District listed 1987 · 689 contributing resources · NRIS 86003481

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 November 27, 2025

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	2335 BUTTERMILK XING, CRESCENT SPRINGS, KY 41017-1622
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 20, 2025	Deed of Trust, Mortgage · FHA Mortgage UNION HOME MORTGAGE CORP
Mar 31, 2022	Deed, Transfer · Line of Credit LAURA DRESSMAN CESA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 31, 2022 · Amount on Record
Deed Sale	Mar 31, 2022 · Amount on Record
Prior Sale	Dec 17, 2008 · Amount on Record
Deed Document Number	0000015773
Deed Book / Page	157 / 73
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	120 E 13TH ST, COVINGTON, KY 41011-3146
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1827 SCOTT BLVD, COVINGTON, KY 41014-1220

Mortgage

Document Number	0005900061
Date	Oct 20, 2025
Book Page	KCM 697/777
Instrument	25102005900061

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Mar 31, 2022
Property Address	120 E 13TH ST, COVINGTON, KY 41011-3146
Document Number	0005900230
Book / Page	157 / 73
Instrument Date	Mar 31, 2022
Instrument	22033105900230
Transaction Type	Transfer
Record Updated	Aug 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	254 MAIN ST, 254, FLORENCE, KY 41042-2029

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900006
Date	Apr 5, 2022
Book Page	356/945
Instrument	22040505900006

Lender

Name	LAURA DRESSMAN CESA
Type	Non-Lending Institution
Address	CINCINNATI, OH 45215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 31, 2023

Tax Assessment & Valuation

Source: Kenton County assessment roll, as of April 1, 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	$66.00	$5,000 (-) Land $5,000	$5,000 (-) Land $5,000
2023	$66.00	$5,000 Land $5,000	$5,000 Land $5,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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.

Wildfire

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.

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 794 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

May also be available: Verizon.

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