Kenton County property record for 121 Sterrett Ave, Covington, KY 41014
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,860 sqft · built 1904 |
| Lot Size | 0.155 acres (6,750 sqft) |
| Owner | Individual Name on File |
| Last Sale | $400,000 (Jun 2021) |
| Tax Bill | $5,300 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 055-41-02-008.00 |
| Primary APN | 055-41-02-008.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,860 sqft Finished Area |
| Gross Area | 2,240 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1904 |
|---|---|
| Effective Year Built | Effective 1904 |
| Exterior Material | Brick |
| Roof Material | Slate |
| Lot Area | 6,750 sqft (0.155 acres) |
| Lot Dimensions | 135 ft deep x 50 ft wide |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 121 STERRETT AVE |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41014-1242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WALLACE N 50'X 135' LOT 103 |
| Legal Subdivision | WALLACE ROBERT |
| Legal Lot Number | 103 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 61100 |
Source: Kenton County records · APN 055-41-02-008.00
Assessment roll updated December 2, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 121 STERRETT AVE, COVINGTON, KY 41014-1242 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 08, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Jun 08, 2021 | Warranty Deed, Transfer METRO TITLE LLC |
| Jun 17, 2020 | Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS |
| Aug 01, 2019 | Grant Deed, Transfer CENTRAL BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 08, 2021 · Amount on Record |
| Deed Sale | Jun 08, 2021 · Amount on Record |
| Prior Sale | Jun 08, 2021 · Amount on Record |
| Deed Document Number | 20215900050 |
| Deed Book / Page | 96 / 283 |
| Prior Transfer Date | Apr 29, 2004 |
| Prior Transfer Doc | 0C21630033 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 121 STERRETT AVE, COVINGTON, KY 41014-1242 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|
| Document Number | 0005900190 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 270/836 |
| Instrument | 21091405900190 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 08, 2021 |
| Property Address | 121 STERRETT AVE, COVINGTON, KY 41014-1242 |
| Document Number | 0005900051 |
| Book / Page | 96 / 288 |
| Map Reference | PL 342 |
| Instrument Date | May 21, 2021 |
| Instrument | 21060805900051 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | CENTRAL LAND TITLE AGENCY COMPANY, CENTRAL LAND TITLE AGENCY CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 APPLE RIDGE RD, 40, DANBURY, CT 06810-7301 |
| Name | Verified Name |
|---|---|
| Address | 121 STERRETT AVE, COVINGTON, KY 41014-1242 |
| Document Number | 0005900052 |
|---|---|
| Date | Jun 08, 2021 |
| Instrument | 21060805900052 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 08, 2021 |
| Property Address | 121 STERRETT AVE, COVINGTON, KY 41014-1242 |
| Document Number | 0005900050 |
| Book / Page | 96 / 283 |
| Map Reference | PL 342 |
| Instrument Date | May 03, 2021 |
| Instrument | 21060805900050 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2021 |
| Title Company | METRO TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 121 STERRETT AVE, 121, COVINGTON, KY 41014-1242 |
| Name | Verified Name |
|---|---|
| Address | 3001 LEADENHALL RD, MOUNT LAUREL, NJ 08054-4609 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jun 17, 2020 |
| Property Address | 121 STERRETT AVE, COVINGTON, KY 41014-1242 |
| Document Number | 0000000192 |
| Book / Page | 000026 / 000767 |
| Instrument Date | May 22, 2020 |
| Instrument | 192 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | 360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 121 STERRETT AVE COVINGTON KY 410141242, COVINGTON, KY 41014-1242 |
| Document Number | 193 |
|---|---|
| Date | Jun 17, 2020 |
| Book Page | 000M58/000943 |
| Instrument | 193 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 16, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 01, 2019 |
| Property Address | 121 STERRETT AVE, COVINGTON, KY 41014-1242 |
| Document Number | 0000000042 |
| Book / Page | 0C6719 / 000141 |
| Instrument Date | Jul 31, 2019 |
| Instrument | 42 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1403 RAE ST #4 CINCINNATI OH 45202, 4, CINCINNATI, OH 45202 |
| Document Number | 43 |
|---|---|
| Date | Aug 01, 2019 |
| Book Page | 0C6719/000144 |
| Instrument | 43 |
| Name | CENTRAL BK |
|---|---|
| Type | Bank |
| Address | LEXINGTON, KY 40507 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 31, 2049 |
Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,300.00 (-0.53%) | $400,000 (-) Land $5,000 Building $395,000 | $400,000 (-) Land $5,000 Building $395,000 |
| 2023 | $5,328.00 | $400,000 Land $5,000 Building $395,000 | $400,000 Land $5,000 Building $395,000 |
Source: FEMA National Flood Hazard Layer, Kenton County (21117C), as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 98% of the US · lower than 98.2% of Kentucky |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Verizon.
Based on FCC filings for 1,077 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system KY0590220, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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