Kenton County property record for 1309 Alberta St, Covington, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,024 sqft · built 1924 |
| Lot Size | 0.076 acres (3,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $229,000 (Mar 2024) |
| Tax Bill | $3,034 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Mar 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-14-06-004.00 |
| Primary APN | 040-14-06-004.00 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,024 sqft Finished Area |
| Gross Area | 2,264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Metal |
| Lot Area | 3,300 sqft (0.076 acres) |
| Lot Dimensions | 100 ft deep x 33 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1309 ALBERTA ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOLF & BOND LOT 5 BEING 33'X100' |
| Legal Subdivision | WOLF & BOND |
| Legal Lot Number | 5 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 63800 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 11, 2024 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 31, 2023 | Deed of Trust, Mortgage · Construction Mortgage LENDINGONE LLC |
| Jul 19, 2022 | Warranty Deed, Transfer |
| Apr 20, 2021 | Deed, Transfer |
| Sep 10, 2020 | Foreclosure NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on Record |
| Deed Sale | Mar 11, 2024 · Amount on Record |
| Prior Sale | Jul 19, 2022 · Amount on Record |
| Deed Document Number | 20241 |
| Deed Book / Page | 273 / 429 |
| Prior Transfer Date | Mar 27, 2013 |
| Prior Transfer Doc | 0005900021 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Document Number | 0000000916 |
|---|---|
| Date | Jan 16, 2026 |
| Book Page | KCM 726/257 |
| Instrument | 26059000000916 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 316 BRADFORDRIDGE LN, FT WRIGHT, KY 41011-5125 |
| Document Number | 0005900002 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | KCM 531/777 |
| Instrument | 24031105900002 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4730 S FORT APACHE RD, LAS VEGAS, NV 89147-7945 |
| Document Number | 0005900001 |
|---|---|
| Date | Oct 31, 2023 |
| Book Page | KCM 503/870 |
| Instrument | 23103105900001 |
| Name | LENDINGONE LLC |
|---|---|
| Type | Lending Institution |
| Address | BOCA RATON, FL 33431 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Jul 19, 2022 |
| Property Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Document Number | 0005900149 |
| Book / Page | 177 / 979 |
| Instrument Date | Jul 13, 2022 |
| Instrument | 22071905900149 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 228 PARK AVE S, 228, NEW YORK, NY 10003-1502 |
| Name | Verified Name |
|---|---|
| Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Apr 20, 2021 |
| Property Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Document Number | 0005900217 |
| Book / Page | 85 / 704 |
| Instrument Date | Apr 1, 2021 |
| Instrument | 21042005900217 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5303 LAURELRIDGE LN, 5303, CINCINNATI, OH 45247-7952 |
| Name | Verified Name |
|---|---|
| Address | 228 PARK AVE S # 73830, 73830, NEW YORK, NY 10003-1502 |
| Investor | Possibly a Property Investor |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Sep 10, 2020 |
| Property Address | 1309 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Document Number | 0000420775 |
| Book / Page | 000042 / 000775 |
| Instrument Date | Aug 31, 2020 |
| Transaction Type | Foreclosure |
| Record Updated | Oct 7, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $35.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5303 LAURELRIDGE LN CINCINNATI OH 452477952, CINCINNATI, OH 45247-7952 |
| Investor | Possibly a Property Investor |
Source: Kenton County assessment roll, as of December 2, 2025
| Type | Name |
|---|---|
| State | Kentucky |
| County | Kenton County |
| Municipality | Covington City |
| Unified School District | Covington Independent School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $229,000 (-) Land $10,000 Building $219,000 | $229,000 (-) Land $10,000 Building $219,000 | |
| 2025 | $3,034.00 (+365.34%) | $229,000 (+367.35%) Land $5,000 Building $224,000 | $229,000 (+367.35%) Land $5,000 Building $224,000 |
| 2023 | $652.00 | $49,000 Land $5,000 Building $44,000 | $49,000 Land $5,000 Building $44,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 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 |
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