1217 High St, Covington, KY 41016 Property Records

Kenton County property record for 1217 High St, Covington, KY 41016

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 1910
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$109,000 (Dec 2025)
Tax Bill	$993 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-14-00-036.00`

Property Details

APN / Parcel Number

Primary APN	`040-14-00-036.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,728 sqft Finished Area
Gross Area	1,808 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	110 ft deep x 50 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1217 HIGH ST
City	COVINGTON
State	KY
Zip	41016-1624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITAKER & HAYMAN 42 PT 43
Legal Subdivision	WHITAKER & HAYMAN
Legal Lot Number	42,43
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2012
Census Tract	63800

Owner

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	2 Individual Names on Record
Mailing Address	8645 TREELINE DR, FLORENCE, KY 41042-7950
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Dec 10, 2025	Warranty Deed, Transfer COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY
Apr 6, 2021	Warranty Deed, Transfer · Seller Carry-Back ROGER JUSTICE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on Record
Deed Sale	Dec 10, 2025 · Amount on Record
Prior Sale	Apr 6, 2021 · Amount on Record
Deed Document Number	2025128
Deed Book / Page	379 / 748
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Jul 24, 2026
Property Address	1217 HIGH ST, COVINGTON, KY 41016-1624
Document Number	0000016077
Book / Page	465 / 908
Instrument Date	Jul 14, 2026
Instrument	202616077
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8645 TREELINE DR, FLORENCE, KY 41042-7950

Mortgage

Document Number	0000016077,
Date	Jul 24, 2026
Book Page	465/908
Instrument	202616077

Lender

Name	GUARDIAN SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Dec 10, 2025
Property Address	1217 HIGH ST, COVINGTON, KY 41016-1624
Document Number	0005900128
Book / Page	KC 379 / 748
Instrument Date	Nov 21, 2025
Instrument	25121005900128
Transaction Type	Transfer
Record Updated	Jan 2, 2026
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8459 US HIGHWAY 42F299, FLORENCE, KY 41042

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	8645 TREELINE DR, FLORENCE, KY 41042-7950

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 6, 2021
Property Address	1217 HIGH ST, COVINGTON, KY 41016-1624
Document Number	0005900261
Book / Page	82 / 815
Map Reference	PL 357
Instrument Date	Apr 5, 2021
Instrument	21040605900261
Transaction Type	Transfer
Record Updated	Jun 24, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2575 HEMPFLING RD, 2575, MORNING VIEW, KY 41063-8761

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8459 US HIGHWAY 42 # F-299, F, FLORENCE, KY 41042-8351

Mortgage

Document Number	0005900262
Date	Apr 6, 2021
Instrument	21040605900262

Lender

Name	ROGER JUSTICE
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	143 Months
Due	Mar 1, 2033

Tax Assessment & Valuation

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		$109,000 (+45.33%) Land $10,000 Building $99,000	$109,000 (+45.33%) Land $10,000 Building $99,000
2025	$993.00 (-0.6%)	$75,000 (-) Land $5,000 Building $70,000	$75,000 (-) Land $5,000 Building $70,000
2023	$999.00	$75,000 Land $5,000 Building $70,000	$75,000 Land $5,000 Building $70,000

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

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	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 248 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	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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