1540 Nancy St, #42, Covington, KY 41014 Property Records

Kenton County property record for 1540 Nancy St, #42, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,497 sqft · built 1900
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$231,000 (Apr 2024)
Tax Bill	$3,060 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-31-07-036.00`

Property Details

APN / Parcel Number

Primary APN	`055-31-07-036.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,497 sqft Finished Area
Gross Area	1,819 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1540 NANCY ST, 42
City	COVINGTON
State	KY
Zip	41014-1338
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PATTON SEC 8 LOT 134
Legal Subdivision	PATTON
Legal Phase	8
Legal Lot Number	134
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2003
Census Tract	61000

Historic Designation

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

Historic District	Within the Austinburg Historic District listed 1987 · 1,054 contributing resources · NRIS 86003483

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	2 Individual Names on Record
Mailing Address	1540 NANCY ST, COVINGTON, KY 41014-1338
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
Nov 10, 2020	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Nov 10, 2020 · Amount on Record
Deed Document Number	2024154
Deed Book / Page	281 / 551
Prior Transfer Date	Oct 14, 2016
Prior Transfer Doc	0000000144
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1540 NANCY ST # 42, 42, COVINGTON, KY 41014-1338
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 DALTON ST, COVINGTON, KY 41011-1248

Mortgage

Document Number	0005900155
Date	Apr 29, 2024
Book Page	KCM544/198
Instrument	24042905900155

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	940 N RAVENSWOOD AVE, CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 10, 2020
Property Address	1540 NANCY ST # 42, 42, COVINGTON, KY 41014-1338
Document Number	0000000294
Book / Page	000054 / 000545
Instrument Date	Nov 2, 2020
Instrument	294
Transaction Type	Transfer
Record Updated	Dec 7, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1540 NANCY ST COVINGTON KY 410141338, COVINGTON, KY 41014-1338

Mortgage

Document Number	295
Date	Nov 10, 2020
Book Page	00M124/000339
Instrument	295

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 9, 2050

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		$231,000 (-) Land $10,000 Building $221,000	$231,000 (-) Land $10,000 Building $221,000
2025	$3,060.00 (+38.4%)	$231,000 (+39.16%) Land $5,000 Building $226,000	$231,000 (+39.16%) Land $5,000 Building $226,000
2023	$2,211.00	$166,000 Land $5,000 Building $161,000	$166,000 Land $5,000 Building $161,000

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 · 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 Policies	1 in force

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

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 383 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

May also be available: T-Mobile, Verizon.

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