Kenton County property record for 1323 Alberta St, Covington, KY 41016
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 956 sqft · built 1915 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $145,000 (Oct 2020) |
| Tax Bill | $1,921 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040-14-06-011.00 |
| Primary APN | 040-14-06-011.00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 956 sqft Finished Area |
| Gross Area | 1,092 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 1323 ALBERTA ST |
|---|---|
| City | COVINGTON |
| State | KY |
| Zip | 41016-1501 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WOLF & BOND LOT 12 |
| Legal Subdivision | WOLF & BOND |
| Legal Lot Number | 12 |
| Jurisdiction | KENTON KY |
| Township / Civil Division | COVINGTON |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 63800 |
Source: Kenton County records, as of August 14, 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 | 1323 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Oct 13, 2020 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 13, 2020 · Amount on Record |
| Deed Sale | Oct 13, 2020 · Amount on Record |
| Prior Sale | Dec 31, 2003 · Amount on Record |
| Deed Document Number | 20205900148 |
| Deed Book / Page | 48 / 858 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KENTON KY |
| Property Address | 1323 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0005900082 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 304/193 |
| Instrument | 21111905900082 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KENTON KY |
| Recording Date | Oct 13, 2020 |
| Property Address | 1323 ALBERTA ST, COVINGTON, KY 41016-1501 |
| Document Number | 0000000148 |
| Book / Page | 000048 / 000858 |
| Instrument Date | Oct 5, 2020 |
| Instrument | 148 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2020 |
| Title Company | NORTHWEST TITLE FAM/COMPANIES |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $145.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1323 ALBERTA ST COVINGTON KY 410161501, COVINGTON, KY 41016-1501 |
| Document Number | 149 |
|---|---|
| Date | Oct 13, 2020 |
| Book Page | 00M111/000026 |
| Instrument | 149 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 12, 2050 |
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 |
|---|---|---|---|
| 2025 | $1,921.00 (-0.52%) | $145,000 (-) Land $5,000 Building $140,000 | $145,000 (-) Land $5,000 Building $140,000 |
| 2023 | $1,931.00 | $145,000 Land $5,000 Building $140,000 | $145,000 Land $5,000 Building $140,000 |
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 | 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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