131 E 10th St, #37, Covington, KY 41011 Property Records

Kenton County property record for 131 E 10th St, #37, Covington, KY 41011

Property Summary

Property Type	Other Improved
Details	10,156 sqft
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Oct 2022)
Tax Bill	$8,281 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`054-24-13-002.00`

Property Details

APN / Parcel Number

Primary APN	`054-24-13-002.00`

Interior

Building Area	10,156 sqft

Exterior

Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	115 ft deep x 140 ft wide

Location & Zoning

Street Address	131 E 10TH ST, 37
City	COVINGTON
State	KY
Zip	41011-3169
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LEE RW LOTS 1 THRU 6 0.37 ACS 140'X 115' SWC E 10TH & GREENUP
Legal Subdivision	LEE
Legal Lot Number	1-6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1013
Census Tract	67000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Emery-Price Historic District listed 1987 · 104 contributing resources · NRIS 86003484

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

131 E 10th St, #37 is owned by two individuals who bought it in October 2022.

Source: Kenton County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	16 CHARMAINE CIR, FT MITCHELL, KY 41017-2914
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Commercial Mortgage PROSPERITY FOLD URBAN CORE LLC
Oct 7, 2022	Warranty Deed, Transfer FIRST NATIONAL BANK OF KENTUCKY
Jan 4, 2021	Quit Claim Deed, Transfer NOT AVAILABLE
Dec 9, 2020	Deed of Trust, Construction Loan · Construction Mortgage US BK
Oct 19, 2017	Warranty Deed, Transfer US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on File
Deed Sale	Oct 7, 2022 · Amount on File
Prior Sale	Jan 4, 2021 · Amount on File
Deed Document Number	202271
Deed Book / Page	193 / 603
Prior Transfer Date	Dec 9, 2020
Prior Transfer Doc	0000042464
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	131 E 10TH ST # 37, 37, COVINGTON, KY 41011-3137
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900088
Date	Apr 29, 2021
Book Page	209/316
Instrument	21042905900088

Lender

Name	PROSPERITY FOLD URBAN CORE LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45230

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	Apr 20, 2041

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 7, 2022
Property Address	131 E 10TH ST # 37, 37, COVINGTON, KY 41011-3137
Document Number	0005900071
Book / Page	193 / 603
Instrument Date	Sep 28, 2022
Instrument	22100705900071
Transaction Type	Transfer
Record Updated	Jan 5, 2024

Transaction

Amount	Amount on Record
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	PO BOX 3O381, CINCINNATI, OH 45230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16 CHARMAINE CIR # CN, CN, ERLANGER, KY 41017-2914

Mortgage

Document Number	0005900058
Date	Oct 10, 2022
Book Page	413/384
Instrument	22101005900058

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank
Address	COVINGTON, KY 41011

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 30, 2042

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KENTON KY
Recording Date	Jan 4, 2021
Property Address	131 E 10TH ST # 37, 37, COVINGTON, KY 41011-3169
Document Number	0000000203
Book / Page	000063 / 000849
Instrument Date	Dec 9, 2020
Instrument	203
Transaction Type	Transfer
Record Updated	Feb 23, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 30381 CINCINNATI OH 452300381, CINCINNATI, OH 45230-0381

December 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Recording Date	Dec 9, 2020
Property Address	131 E 10TH ST # 37, 37, COVINGTON, KY 41011-3169
Document Number	0000000224
Book / Page	000M64 / 000473
Instrument Date	Nov 23, 2020
Instrument	224
Transaction Type	Construction Loan
Record Updated	Mar 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7470 GRIFFIN GATE DR CINCINNATI OH 452553927, CINCINNATI, OH 45255-3927

Mortgage

Document Number	0000000224
Date	Dec 9, 2020
Book Page	000M64/000473
Instrument	224

Lender

Name	US BK
Type	Bank
Address	MINNEAPOLIS, MN 55402

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	24 Months
Due	Dec 8, 2022

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 19, 2017
Property Address	131 E 10TH ST # 37, 37, COVINGTON, KY 41011-3169
Document Number	0000000088
Book / Page	0C6275 / 000326
Instrument Date	Oct 11, 2017
Instrument	88
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$610.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7470 GRIFFIN GATE DR CINCINNATI OH 452553927, CINCINNATI, OH 45255-3927

Mortgage

Document Number	92
Date	Oct 19, 2017
Book Page	0C6275/000335
Instrument	92

Lender

Name	US BK
Type	Bank
Address	OSHKOSH, WI 54901

Agreement

Amount	Amount on Record
Term	60 Months
Due	Oct 18, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 131 E 10th St, #37 was $8,281.

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		$625,000 (-) Land $74,000 Building $551,000	$625,000 (-) Land $74,000 Building $551,000
2025	$8,281.00	$625,000 Land $74,000 Building $551,000	$625,000 Land $74,000 Building $551,000
2023	$8,325.00	$625,000 Land $74,000 Building $551,000	$625,000 Land $74,000 Building $551,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 131 E 10th St, #37 in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1978.

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

Wildfire risk around 131 E 10th St, #37 is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 92% of Kentucky
Wildfire Likelihood	Under 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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