1544 Scott St, Covington, KY 41011 Property Records

Kenton County property record for 1544 Scott St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 2,668 sqft
Lot Size	0.072 acres (3,120 sqft)
Owner	2 Individual Names on File
Last Sale	$162,000 (Oct 2020)
Tax Bill	$2,403 (2025)
Deeds & Mortgages	May 2023 Transfer Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-13-13-030.00`

Property Details

APN / Parcel Number

Primary APN	`055-13-13-030.00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,668 sqft Finished Area
Gross Area	2,806 sqft

Exterior

Exterior Material	Brick
Foundation Type	Stone
Roof Material	Slate
Lot Area	3,120 sqft (0.072 acres)
Lot Dimensions	104 ft deep x 30 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	1544 SCOTT ST
City	COVINGTON
State	KY
Zip	41011-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	30'X104' ES SCOTT 30' N 16TH
Legal Subdivision	SOUTHGATE RICHARD
Legal Phase	2
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	1
Census Block	1002
Census Tract	60900

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

1544 Scott St is owned and occupied by two individuals who acquired it in April 2023.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1544 SCOTT ST, COVINGTON, KY 41011-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2023	Intrafamily Transfer, Transfer
Oct 21, 2020	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS
Apr 2, 2020	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2020 · Amount on File
Deed Sale	Oct 21, 2020 · Amount on File
Prior Sale	Mar 23, 2015 · Amount on File
Deed Document Number	20205900119
Deed Book / Page	50 / 656
Last Transfer Date	Apr 21, 2023
Transfer Doc	0005900097
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KENTON KY
Recording Date	May 2, 2023
Property Address	1544 SCOTT ST, COVINGTON, KY 41011-3408
Document Number	0005900097
Book / Page	KC 224 / 674
Instrument Date	Apr 21, 2023
Instrument	23050205900097
Transaction Type	Transfer
Record Updated	May 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1544 SCOTT ST, COVINGTON, KY 41011-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1544 SCOTT ST, COVINGTON, KY 41011-3408

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Oct 21, 2020
Property Address	1544 SCOTT ST, COVINGTON, KY 41011-3408
Document Number	0000000119
Book / Page	000050 / 000656
Instrument Date	Oct 15, 2020
Instrument	119
Transaction Type	Transfer
Record Updated	Nov 6, 2020
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$162.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1544 SCOTT ST COVINGTON KY 410113408, COVINGTON, KY 41011-3408

Mortgage

Document Number	M1140499
Date	Oct 21, 2020
Book Page	00M114/000499

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1544 SCOTT ST, COVINGTON, KY 41011-3408
Document Number	0000000090
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1544 SCOTT ST COVINGTON KY 410113408, COVINGTON, KY 41011-3408

Mortgage

Document Number	0000000090
Date	Apr 23, 2020
Book Page	000035/000855
Instrument	90

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 22, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1544 Scott St was $2,403.

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		$181,400 (-) Land $10,000 Building $171,400	$181,400 (-) Land $10,000 Building $171,400
2025	$2,403.00	$181,400 Land $5,000 Building $176,400	$181,400 Land $5,000 Building $176,400
2023	$2,157.00	$162,000 Land $5,000 Building $157,000	$162,000 Land $5,000 Building $157,000

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

Flood

FEMA maps place 1544 Scott St in Zone X, an area of minimal flood risk.

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

The area around 1544 Scott St has no burnable land within ember reach, so its wildfire risk is not rated.

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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