123 W 5th St, Covington, KY 41011 Property Records

Kenton County property record for 123 W 5th St, Covington, KY 41011

Property Summary

Property Type	Triplex
Details	3 bd · 1 ba · 4,224 sqft · built 1880
Lot Size	0.048 acres (2,110 sqft)
Owner	Individual Name on File
Tax Bill	$2,385 (2025)
Deeds & Mortgages	May 2026 Line of Credit May 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-21-18-002.00`

Property Details

APN / Parcel Number

Primary APN	`054-21-18-002.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	3 Stories
Building Area	4,224 sqft Finished Area

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Triplex
Exterior Material	Brick
Foundation Type	Stone
Lot Area	2,110 sqft (0.048 acres)
Lot Dimensions	50 ft deep x 42.2 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	123 W 5TH ST
City	COVINGTON
State	KY
Zip	41011-1454
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	GIBSON & EASTON PT LOT 20 42.17'X 50'
Legal Subdivision	GIBSON & EASTON
Legal Lot Number	20
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2020
Census Tract	67000

Historic Designation

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

Historic District	Within the Mutter Gottes Historic District listed 1980 · 143 contributing resources · NRIS 80004499

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

Owner

123 W 5th St, a triplex, is owned by an individual who acquired it in May 2024.

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

Owner of Record	Individual Name on File
Mailing Address	2214 SCOTT BLVD, COVINGTON, KY 41014-1239
Owner Type	Individual
Vesting	Single

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
May 5, 2026	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK AND TRUST COMPANY
May 7, 2026	Deed of Trust, Mortgage · Line of Credit REPUBLIC BANK AND TRUST COMPANY
Nov 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage REPUBLIC BANK & TRUST CO
Aug 8, 2022	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 17, 2024
Transfer Doc	0005900134
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 5, 2026
Property Address	123 W 5TH ST, COVINGTON, KY 41011-1454
Document Number	0000009050
Book / Page	424 / 123
Instrument Date	Apr 28, 2026
Instrument	20269050
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	EC TITLE SERVICES, EXCEL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2214 SCOTT BLVD, COVINGTON, KY 41014-1239

Mortgage

Document Number	0000009050,
Date	May 5, 2026
Book Page	424/123
Instrument	20269050

Lender

Name	REPUBLIC BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 28, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	May 7, 2026
Property Address	123 W 5TH ST, COVINGTON, KY 41011-1454
Document Number	0000009361
Book / Page	426 / 494
Instrument Date	Apr 28, 2026
Instrument	20269361
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	EC TITLE SERVICES, EXCEL TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2214 SCOTT BLVD, COVINGTON, KY 41014-1239

Mortgage

Document Number	0000009361,
Date	May 7, 2026
Book Page	426/494
Instrument	20269361

Lender

Name	REPUBLIC BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Apr 28, 2028

Interest

Rate	6.46%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	123 W 5TH ST, COVINGTON, KY 41011-1454
Transaction Type	Mortgage
Record Updated	Dec 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 WALLACE AVE 1, 1, COVINGTON, KY 41014-1272

Mortgage

Document Number	0005900281
Date	Nov 28, 2022
Book Page	424/390
Instrument	22112805900281

Lender

Name	REPUBLIC BANK & TRUST CO
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 22, 2032

August 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	KENTON KY
Recording Date	Aug 8, 2022
Property Address	123 W 5TH ST, COVINGTON, KY 41011-1454
Document Number	0005900026
Book / Page	181 / 610
Instrument Date	Jul 13, 2022
Instrument	22080805900026
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 123 W 5th St was $2,385.

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		$260,000 (+44.44%) Land $15,000 Building $245,000	$260,000 (+44.44%) Land $15,000 Building $245,000
2025	$2,385.00	$180,000 Land $15,000 Building $165,000	$180,000 Land $15,000 Building $165,000
2023	$2,397.00	$180,000 Land $15,000 Building $165,000	$180,000 Land $15,000 Building $165,000

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

Flood

FEMA maps place 123 W 5th 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 123 W 5th 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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