Kenton County property record for 13 Kennedy Rd, Covington, KY 41011
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,373 sqft · built 1938 |
| Lot Size | 0.217 acres (9,453 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (May 2026) |
| Tax Bill | $3,072 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 041-20-00-100.01 |
| Primary APN | 041-20-00-100.01 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,373 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Exterior Material | Combination |
| Lot Area | 9,453 sqft (0.217 acres) |
| Lot Dimensions | 137 ft deep x 137 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 13 KENNEDY RD |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41011-3667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.217 AC NEC KENNEDY RD & ROSA CT BEING 137.3X137.9' IRREG LESS 0.183 AC |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 65200 |
Source: Kenton County assessment roll, as of December 2, 2025
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 File |
|---|---|
| Mailing Address | 13 KENNEDY RD, COVINGTON, KY 41011-3667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| May 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Aug 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Feb 28, 2020 | Deed of Trust, Mortgage · Line of Credit COMMONWEALTH BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 7, 2026 · Amount on Record |
| Deed Sale | May 7, 2026 · Amount on Record |
| Prior Sale | Aug 16, 2022 · Amount on Record |
| Deed Document Number | 202605079382 |
| Deed Book / Page | 426 / 718 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | May 7, 2026 |
| Property Address | 13 KENNEDY RD, COVINGTON, KY 41011-3667 |
| Document Number | 0000009382 |
| Book / Page | 426 / 718 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026.9382 |
| Transaction Type | Transfer |
| Record Updated | May 28, 2026 |
| Title Company | AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SERVIC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $38,885.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Remainderman |
| Address | 13 KENNEDY RD, COVINGTON, KY 41011-3667 |
| Document Number | 0000009383, |
|---|---|
| Date | May 7, 2026 |
| Book Page | 426/722 |
| Instrument | 2026.05.07.9383 |
| Name | GUARDIAN SAVINGS BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Aug 16, 2022 |
| Property Address | 13 KENNEDY RD, COVINGTON, KY 41011-3667 |
| Document Number | 0005900056 |
| Book / Page | 183 / 906 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 22081605900056 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7490 JEATHERWOOD LN, 7490, CINCINNATI, OH 45244 |
| Name | Verified Name |
|---|---|
| Address | 13 KENNEDY RD, FT WRIGHT, KY 41011-3667 |
| Document Number | 0005900057 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 398/343 |
| Instrument | 22081605900057 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANTILLY, VA 20151 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 13 KENNEDY RD, COVINGTON, KY 41011-3667 |
| Document Number | 0000000298 |
| Instrument Date | Feb 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 13 KENNEDY RD COVINGTON KY 410113667, COVINGTON, KY 41011-3667 |
| Document Number | 0000000298 |
|---|---|
| Date | Mar 10, 2020 |
| Book Page | 000M18/000238 |
| Instrument | 298 |
| Name | COMMONWEALTH BK |
|---|---|
| Type | Bank |
| Address | EDGEWOOD, KY 41017 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 9, 2030 |
| Rate Type | Adjustable Rate |
|---|
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Fort Wright City |
| Unified School District | Kenton County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,072.00 (-7.02%) | $310,000 (-) Land $45,000 Building $265,000 | $310,000 (-) Land $45,000 Building $265,000 |
| 2023 | $3,304.00 | $310,000 Land $45,000 Building $265,000 | $310,000 Land $45,000 Building $265,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 314 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Cincinnati Bell Fiber | 3,000 / 3,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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