127 E 8th St, Covington, KY 41011 Property Records

Kenton County property record for 127 E 8th St, Covington, KY 41011

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 4,712 sqft · built 1909
Lot Size	0.033 acres (1,425 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Aug 2021)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Aug 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`054-23-15-007.01`

Property Details

APN / Parcel Number

Primary APN	`054-23-15-007.01`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	4,712 sqft Finished Area

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Architectural Style	Townhouse
Exterior Material	Brick
Foundation Type	Stone
Lot Area	1,425 sqft (0.033 acres)
Lot Dimensions	62.5 ft deep x 22.8 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	127 E 8TH ST
City	COVINGTON
State	KY
Zip	41011-3276
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	FOOTES ADDN PT LOT 178 22.76'X 62.50' SS E 8TH ST 53.33' WEST OF GREENUP
Legal Subdivision	FOOTES ADDN
Legal Lot Number	178
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1003
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	127 E 8TH ST, COVINGTON, KY 41011-3276
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST CO
Aug 9, 2021	Warranty Deed, Transfer · Conventional Mortgage SIBCY CLINE MORTGAGE SERVICES INC
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Feb 2, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2021 · Amount on Record
Deed Sale	Aug 9, 2021 · Amount on Record
Prior Sale	Feb 2, 2018 · Amount on Record
Deed Document Number	20215900167
Deed Book / Page	109 / 352
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	127 E 8TH ST, COVINGTON, KY 41011-3276
Transaction Type	Mortgage
Record Updated	Aug 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 E 8TH ST, COVINGTON, KY 41011-3276

Mortgage

Document Number	0005900280
Date	Jul 26, 2021
Book Page	248/73
Instrument	21072605900280

Lender

Name	THE NORTH SIDE BANK & TRUST CO
Type	Bank
Address	CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 9, 2021
Property Address	127 E 8TH ST, COVINGTON, KY 41011-3276
Document Number	0005900167
Book / Page	109 / 352
Instrument Date	Jul 26, 2021
Instrument	21080905900167
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	LAWYERS TTL OF CINCINNATI IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	973 RIVERWATCH DR, 973, VILLA HILLS, KY 41017-3769

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	127 E 8TH ST, COVINGTON, KY 41011-3276

Mortgage

Document Number	0005900168
Date	Aug 9, 2021
Book Page	253/500
Instrument	21080905900168

Lender

Name	SIBCY CLINE MORTGAGE SERVICES INC
Type	Mortgage Company
Address	CINCINNATI, OH 45236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	127 E 8TH ST, COVINGTON, KY 41011-3276
Document Number	0000000448
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	127 E 8TH ST COVINGTON KY 410113276, COVINGTON, KY 41011-3276

Mortgage

Document Number	0000000448
Date	Mar 20, 2020
Book Page	000023/000402
Instrument	448

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.25%

February 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Feb 2, 2018
Property Address	127 E 8TH ST, COVINGTON, KY 41011-3276
Document Number	0000000002
Book / Page	0C6345 / 000243
Instrument Date	Jan 26, 2018
Instrument	2
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 28, 2018
Title Company	LAWYERS TITLE/CINCINNATI INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$323.90
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	127 E 8TH ST COVINGTON KY 410113276, COVINGTON, KY 41011-3276

Mortgage

Document Number	3
Date	Feb 2, 2018
Book Page	0C6345/000246
Instrument	3

Lender

Name	US BK
Type	Bank
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

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		$390,000 (-) Land $15,000 Building $375,000	$390,000 (-) Land $15,000 Building $375,000
2025	$5,167.00 (-0.52%)	$390,000 (-) Land $10,000 Building $380,000	$390,000 (-) Land $10,000 Building $380,000
2023	$5,194.00	$390,000 Land $10,000 Building $380,000	$390,000 Land $10,000 Building $380,000

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 Claims	22 (1978–2018)
Claims Outside the SFHA	1 of 22
Most Recent Claim	Feb 2018 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storm, Flooding, And Tornadoes, Mar 1997 · 8 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	Not rated no burnable land within 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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