121 W 11th St, Covington, KY 41011 Property Records

Kenton County property record for 121 W 11th St, Covington, KY 41011

Property Summary

Property Type	Duplex
Details	1 bd · 1 ba · 1,650 sqft · built 1959
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$760,000 (Jan 2023)
Tax Bill	$1,007 (2025)
Deeds & Mortgages	Jan 2023 Document Apr 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`054-22-39-002.00`

Property Details

APN / Parcel Number

Primary APN	`054-22-39-002.00`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,650 sqft Finished Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Duplex Single
Exterior Material	Brick
Foundation Type	Stone
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 24.2 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	121 W 11TH ST
City	COVINGTON
State	KY
Zip	41011-3083
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	24.15X90' SS 11TH 23.35' E RUSSELL
Legal Subdivision	WESTERN BAPTIST THEO INST
Legal Phase	1ST
Legal Lot Number	143
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1011
Census Tract	60700

Historic Designation

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

Historic District	Within the Seminary Square Historic District listed 1980 · 128 contributing resources · NRIS 80001647

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

121 W 11th St, a duplex, is owned by an individual who bought it in January 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3755 FLORAL AVE, CINCINNATI, OH 45212-3952
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
Jan 6, 2023
Apr 9, 2020	Warranty Deed, Transfer · Line of Credit PARK NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 6, 2023 · Amount on File
Deed Sale	Jan 6, 2023 · Amount on File
Prior Sale	Apr 9, 2020 · Amount on File
Deed Document Number	2023140
Deed Book / Page	208 / 194
Prior Transfer Date	Dec 12, 2022
Prior Transfer Doc	0005900140
Record Updated	Oct 29, 2026

January 2023:

Jurisdiction	KENTON KY
Recording Date	Jan 6, 2023
Property Address	121 W 11TH ST, COVINGTON, KY 41011-3083
Document Number	0005900140
Book / Page	208 / 194
Map Reference	DD
Instrument Date	Dec 12, 2022
Instrument	23010605900140
Record Updated	Jan 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 W 11TH ST, COVINGTON, KY 41011-3083

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 9, 2020
Property Address	121 W 11TH ST, COVINGTON, KY 41011-3083
Document Number	0000000049
Book / Page	000016 / 000148
Instrument Date	Mar 27, 2020
Instrument	49
Transaction Type	Transfer
Record Updated	Jun 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1104 RUSSELL ST #1 COVINGTON KY 410113017, 1, COVINGTON, KY 41011-3017

Mortgage

Document Number	50
Date	Apr 9, 2020
Book Page	000M30/000222
Instrument	50

Lender

Name	PARK NAT'L BK
Type	Bank
Address	CINCINNATI, OH 45230

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 8, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 121 W 11th St was $1,007.

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		$120,000 (+57.89%) Land $10,000 Building $110,000	$120,000 (+57.89%) Land $10,000 Building $110,000
2025	$1,007.00	$76,000 Land $5,000 Building $71,000	$76,000 Land $5,000 Building $71,000
2023	$1,012.00	$76,000 Land $5,000 Building $71,000	$76,000 Land $5,000 Building $71,000

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

Flood

FEMA maps place 121 W 11th St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 121 W 11th 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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