1304 Hill St, Covington, KY 41016 Property Records

Kenton County property record for 1304 Hill St, Covington, KY 41016

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,280 sqft · built 1925
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Tax Bill	$1,866 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`040-13-00-001.05`

Property Details

APN / Parcel Number

Primary APN	`040-13-00-001.05`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,280 sqft Finished Area
Gross Area	3,015 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	180 ft deep x 75 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1304 HILL ST
City	COVINGTON
State	KY
Zip	41016-1527
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LESLIE LOTS 31-32-33 & 6 BLK E EC MILLERS ADDN HILLCREST
Legal Subdivision	LESLIE JAMES
Legal Phase	E
Legal Block	E
Legal Lot Number	31-33
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
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	Individual Name on Record
Mailing Address	1304 HILL ST, COVINGTON, KY 41016-1527
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1304 HILL ST, COVINGTON, KY 41016-1527
Transaction Type	Mortgage
Record Updated	Sep 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 HILL ST, COVINGTON, KY 41016-1527

Mortgage

Document Number	0005900213
Date	Aug 29, 2023
Book Page	KCM 487/920
Instrument	23082905900213

Lender

Name	CENTRAL BANK & TRUST CO
Type	Bank
Address	LEXINGTON, KY 40507

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 24, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$190,000 (-) Land $15,000 Building $175,000	$190,000 (-) Land $15,000 Building $175,000
2025	$1,866.00 (-2.41%) Homeowner's exemption	$190,000 (-) Land $10,000 Building $180,000	$190,000 (-) Land $10,000 Building $180,000
2023	$1,912.00 Homeowner's exemption	$190,000 Land $10,000 Building $180,000	$190,000 Land $10,000 Building $180,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 471 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20