1321 Alberta St, Covington, KY 41016 Property Records

Kenton County property record for 1321 Alberta St, Covington, KY 41016

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,536 sqft · built 1920
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Dec 2022)
Tax Bill	$2,120 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`040-14-06-010.00`

Property Details

APN / Parcel Number

Primary APN	`040-14-06-010.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,536 sqft Finished Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1321 ALBERTA ST
City	COVINGTON
State	KY
Zip	41016-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOLF & BOND LOT 11
Legal Subdivision	WOLF & BOND
Legal Lot Number	11
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2002
Census Tract	63800

Owner

Source: Kenton County records · APN 040-14-06-010.00

Assessment roll updated December 2, 2025 · Last verified April 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 File
Mailing Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit LEXINGTON-FAYETTE URBAN COUNTY GOV
Dec 15, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN MORTGAGE SERVICE CO
Jul 12, 2022	Deed, Transfer
Jul 26, 2021	Deed, Transfer REPUBLIC TITLE INC, REPUBLIC TITLE
Jul 20, 2021	Deed, Transfer
Jul 25, 2018	Deed of Trust, Mortgage · Line of Credit THIRD FED'L SVGS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 15, 2022 · Amount on Record
Deed Sale	Dec 15, 2022 · Amount on Record
Prior Sale	Jul 26, 2021 · Amount on Record
Deed Document Number	20224
Deed Book / Page	205 / 213
Prior Transfer Date	Dec 23, 2011
Prior Transfer Doc	0005900317
Record Updated	Jun 08, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501
Transaction Type	Mortgage
Record Updated	Jan 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501

Mortgage

Document Number	0005900006
Date	Dec 15, 2022
Book Page	428/372
Instrument	22121505900006

Lender

Name	LEXINGTON-FAYETTE URBAN COUNTY GOV
Type	Government Agency
Address	FRANKFORT, KY 40601

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Jan 01, 2033

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501
Transaction Type	Mortgage
Record Updated	Jan 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900005
Date	Dec 15, 2022
Book Page	428/357
Instrument	22121505900005

Lender

Name	AMERICAN MORTGAGE SERVICE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 12, 2022
Property Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501
Document Number	0005900130
Book / Page	176 / 575
Instrument Date	Jun 28, 2022
Instrument	22071205900130
Transaction Type	Transfer
Record Updated	Jul 25, 2022

Transaction

Amount	Amount Recorded
Tax	$64.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 PARK AVE S # S73833, 228, NEW YORK, NY 10003-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2547 BUTTERMILK PIKE, VILLA HILLS, KY 41017-1161

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 26, 2021
Property Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501
Document Number	0005900010
Book / Page	106 / 316
Instrument Date	Jun 30, 2021
Instrument	21072605900010
Transaction Type	Transfer
Record Updated	Aug 04, 2021
Title Company	REPUBLIC TITLE INC, REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2270 TAGGERT DR, 2270, BETHEL, OH 45106-8901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 PARK AVE S # 73833, 73833, NEW YORK, NY 10003-1502
Investor	Possibly a Property Investor

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KENTON KY
Recording Date	Jul 20, 2021
Property Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501
Document Number	0005900402
Book / Page	105 / 179
Instrument Date	Jun 30, 2021
Instrument	21072005900402
Transaction Type	Transfer
Record Updated	Aug 02, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1321 ALBERTA ST, 1321, COVINGTON, KY 41016-1501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2270 TAGGERT DR, BETHEL, OH 45106-8901
Investor	Possibly a Property Investor

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1321 ALBERTA ST, COVINGTON, KY 41016-1501
Document Number	0000000233
Instrument Date	Jul 25, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018
Title Company	AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 ALBERTA ST COVINGTON KY 410161501, COVINGTON, KY 41016-1501

Mortgage

Document Number	0000000233
Date	Aug 09, 2018
Book Page	0C6474/000211
Instrument	233

Lender

Name	THIRD FED'L SVGS
Type	Federal Savings Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated December 2, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,120.00 (-0.52%)	$160,000 (-) Land $5,000 Building $155,000	$160,000 (-) Land $5,000 Building $155,000
2023	$2,131.00	$160,000 Land $5,000 Building $155,000	$160,000 Land $5,000 Building $155,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 19, 2015 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 471 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

1321 Alberta St, Covington, KY 41016 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

December 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2022: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2021: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2021: Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

July 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Alberta St

Nearby Streets

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