1409 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 1409 Scott St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,482 sqft
Lot Size	0.096 acres (4,200 sqft)
Owner	Company Name on Record
Last Sale	$125,000 (Nov 2021)
Tax Bill	$2,650 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-13-08-009.00`

Property Details

APN / Parcel Number

Primary APN	`055-13-08-009.00`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,482 sqft Finished Area
Gross Area	3,822 sqft

Exterior

Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Slate
Lot Area	4,200 sqft (0.096 acres)
Lot Dimensions	120 ft deep x 35 ft wide
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1409 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-3405
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	35'X 120' WS SCOTT 90' S MARTIN
Legal Subdivision	POWELL O R
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	3
Census Block	3031
Census Tract	67100

Historic Designation

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

Historic District	Within the Helentown Historic District listed 1987 · 689 contributing resources · NRIS 86003481

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

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	Company Name on Record
Mailing Address	120 E 8TH ST, CINCINNATI, OH 45202-2118
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2023	Deed of Trust, Mortgage · Commercial Mortgage UNION SAVINGS BANK
Nov 10, 2021	Warranty Deed, Transfer
Nov 9, 2021	Warranty Deed, Transfer · Commercial Mortgage PAJ FUND I LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	Nov 9, 2021 · Amount on Record
Deed Document Number	20215900290
Deed Book / Page	130 / 568
Prior Transfer Date	Jan 22, 2003
Prior Transfer Doc	0404059000
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1409 SCOTT ST, COVINGTON, KY 41011-3405
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900003
Date	Feb 23, 2023
Book Page	KCM 441/833
Instrument	23022305900003

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 10, 2021
Property Address	1409 SCOTT ST, COVINGTON, KY 41011-3405
Document Number	0005900290
Book / Page	130 / 568
Instrument Date	Nov 3, 2021
Instrument	21111005900290
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7296 ROYALGREEN DR, 7296, CINCINNATI, OH 45244-3625

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 W PETE ROSE WAY STE 330, 330, CINCINNATI, OH 45203-1897

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 9, 2021
Property Address	1409 SCOTT ST, COVINGTON, KY 41011-3405
Document Number	0005900013
Book / Page	129 / 939
Instrument Date	Nov 3, 2021
Instrument	21110905900013
Transaction Type	Transfer
Record Updated	Dec 6, 2021

Transaction

Amount	Amount Recorded
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	485 LAZY OAKS LN, 485, FLEMINGSBURG, KY 41041-8025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1409 SCOTT ST, COVINGTON, KY 41011-3405
Investor	Possibly a Property Investor

Mortgage

Document Number	0005900014
Date	Nov 9, 2021
Book Page	298/821
Instrument	21110905900014

Lender

Name	PAJ FUND I LLC
Type	Lending Institution
Address	PHOENIX, AZ 85028

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	May 3, 2022

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		$228,000 (+14%) Land $10,000 Building $218,000	$228,000 (+14%) Land $10,000 Building $218,000
2025	$2,650.00 (+32.63%)	$200,000 (+33.33%) Land $5,000 Building $195,000	$200,000 (+33.33%) Land $5,000 Building $195,000
2023	$1,998.00	$150,000 Land $5,000 Building $145,000	$150,000 Land $5,000 Building $145,000

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
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	Not rated no burnable land within 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 794 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

May also be available: Verizon.

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