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

Kenton County property record for 124 E 7th St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,110 sqft · built 1909
Lot Size	0.043 acres (1,872 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Apr 2024)
Tax Bill	$8,745 (2025)
Deeds & Mortgages	Apr 2024 Sale & Line of Credit Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-13-021.00`

Property Details

APN / Parcel Number

Primary APN	`054-23-13-021.00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,110 sqft Finished Area
Gross Area	3,396 sqft

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	124 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 119' 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

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	Individual Name on Record
Mailing Address	124 E 7TH ST, COVINGTON, KY 41011-2502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2024	Warranty Deed, Transfer · Line of Credit FIFTH THIRD BANK NA
Jun 1, 2022	Warranty Deed, Transfer · Conventional Mortgage ONPOINT HOME LENDING
Feb 17, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 15, 2024 · Amount on Record
Deed Sale	Apr 15, 2024 · Amount on Record
Prior Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	2024161
Deed Book / Page	279 / 495
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 15, 2024
Property Address	124 E 7TH ST, COVINGTON, KY 41011-2502
Document Number	0005900161
Book / Page	KC279 / 495
Instrument Date	Mar 26, 2024
Instrument	24041505900161
Transaction Type	Transfer
Record Updated	May 22, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7915 WILD ORCHARD LN, MONTGOMERY, OH 45242-4308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 E 7TH ST, COVINGTON, KY 41011-2502

Mortgage

Document Number	0005900162
Date	Apr 15, 2024
Instrument	24041505900162

Lender

Name	FIFTH THIRD BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

Mortgage

Document Number	0005900162
Date	Apr 15, 2024
Book Page	KCM540/653
Instrument	24041505900162

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Jun 1, 2022
Property Address	124 E 7TH ST, COVINGTON, KY 41011-2502
Document Number	0005900021
Book / Page	168 / 347
Instrument Date	May 25, 2022
Instrument	22060105900021
Transaction Type	Transfer
Record Updated	Jun 13, 2022
Title Company	360 AMERICAN TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6117 W FORK RD, 6117, CINCINNATI, OH 45247-5765

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	124 E 7TH ST, COVINGTON, KY 41011-2502

Mortgage

Document Number	0005900022
Date	Jun 1, 2022
Book Page	374/697
Instrument	22060105900022

Lender

Name	ONPOINT HOME LENDING
Type	Non-Lending Institution
Address	FLORENCE, KY 41042

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Feb 17, 2021
Property Address	124 E 7TH ST, COVINGTON, KY 41011-2502
Document Number	0005900202
Book / Page	72 / 364
Instrument Date	Feb 17, 2021
Instrument	21021705900202
Transaction Type	Transfer
Record Updated	Jan 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 KENNEDY RD, 10, COVINGTON, KY 41011-3668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6117 W FORK RD, CINCINNATI, OH 45247-5765

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		$660,000 (-) Land $15,000 Building $645,000	$660,000 (-) Land $15,000 Building $645,000
2025	$8,745.00 (+16.21%)	$660,000 (+16.81%) Land $5,000 Building $655,000	$660,000 (+16.81%) Land $5,000 Building $655,000
2023	$7,525.00	$565,000 Land $5,000 Building $560,000	$565,000 Land $5,000 Building $560,000

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 · 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

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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