120 E 7th St, Covington, KY 41011 Property Records

Kenton County property record for 120 E 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,442 sqft · built 1909
Lot Size	0.043 acres (1,872 sqft)
Owner	2 Individual Names on File
Last Sale	$156,500 (Nov 2017)
Tax Bill	$2,504 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054-23-13-023.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-13-023.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,442 sqft Finished Area
Gross Area	2,132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Brick
Foundation Type	Stone
Lot Area	1,872 sqft (0.043 acres)
Lot Dimensions	104 ft deep x 18 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	120 E 7TH ST
City	COVINGTON
State	KY
Zip	41011-2502
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LEMAIRE PT LOTS 1-2-3 18'X 104 2,3' NS 7TH 155' W GREENUP
Legal Subdivision	LEMAIRE JACOB EST
Legal Lot Number	1,2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2029
Census Tract	67000

Owner

120 E 7th St is owned and occupied by two individuals who bought it in November 2017.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	120 E 7TH ST, COVINGTON, KY 41011-2502
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 2, 2017	Warranty Deed, Transfer · Conventional with PMI VICTORY CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2017 · Amount on File
Deed Sale	Nov 2, 2017 · Amount on File
Prior Sale	Nov 9, 2001 · Amount on File
Deed Document Number	201711 02 059 00190
Deed Book / Page	6285 / 334
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	120 E 7TH ST, COVINGTON, KY 41011-2502
Transaction Type	Mortgage
Record Updated	Jan 5, 2022
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900213
Date	Dec 27, 2021
Book Page	317/632
Instrument	21122705900213

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 2, 2017
Property Address	120 E 7TH ST, COVINGTON, KY 41011-2502
Document Number	0000000190
Book / Page	0C6285 / 000334
Instrument Date	Oct 31, 2017
Instrument	190
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	HOMESTEAD TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$156.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E 7TH ST COVINGTON KY 410112502, COVINGTON, KY 41011-2502

Mortgage

Document Number	191
Date	Nov 2, 2017
Book Page	0C6285/000337
Instrument	191

Lender

Name	VICTORY CMNTY BK
Type	Bank
Address	FORT MITCHELL, KY 41017

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 120 E 7th St was $2,504.

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		$221,000 (+16.93%) Land $15,000 Building $206,000	$221,000 (+16.93%) Land $15,000 Building $206,000
2025	$2,504.00	$189,000 Land $5,000 Building $184,000	$189,000 Land $5,000 Building $184,000
2023	$2,517.00	$189,000 Land $5,000 Building $184,000	$189,000 Land $5,000 Building $184,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 120 E 7th St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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

Wildfire risk around 120 E 7th St is low, with a 0.01% annual chance of 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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