1820 Euclid Ave, Covington, KY 41014 Property Records

Kenton County property record for 1820 Euclid Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1921
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (Dec 2019)
Tax Bill	$2,268 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-12-19-020.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-19-020.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Finished Area
Gross Area	1,660 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Detached
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	1820 EUCLID AVE
City	COVINGTON
State	KY
Zip	41014-1024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWTHORN ADDN PT LOTS 17-18
Legal Subdivision	HAWTHORN ADDN
Legal Lot Number	17,18
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4009
Census Tract	65000

Historic Designation

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

Historic District	Within the Peaselburg Neighborhood Historic District listed 2017 · 544 contributing resources · NRIS 16000501

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	1820 EUCLID AVE, COVINGTON, KY 41014-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage OPTION FINANCIAL LLC
Dec 23, 2019	Grant Deed, Transfer · FHA Mortgage AMERICAN MTG SVC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2019 · Amount on Record
Deed Sale	Dec 23, 2019 · Amount on Record
Prior Sale	Jul 8, 2013 · Amount on Record
Deed Document Number	201912 23 059 00284
Deed Book / Page	6837 / 344
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1820 EUCLID AVE, COVINGTON, KY 41014-1024
Transaction Type	Mortgage
Record Updated	Apr 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900258
Date	Apr 1, 2021
Book Page	194/559
Instrument	21040105900258

Lender

Name	OPTION FINANCIAL LLC
Type	Mortgage Company
Address	CINCINNATI, OH 45247

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Dec 23, 2019
Property Address	1820 EUCLID AVE, COVINGTON, KY 41014-1024
Document Number	0000000284
Book / Page	0C6837 / 000344
Instrument Date	Dec 20, 2019
Instrument	284
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$137.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 EUCLID AVE COVINGTON KY 410141024, COVINGTON, KY 41014-1024

Mortgage

Document Number	285
Date	Dec 23, 2019
Book Page	0C6837/000346
Instrument	285

Lender

Name	AMERICAN MTG SVC
Type	Mortgage Company
Address	CINCINNATI, OH 45246

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 22, 2049

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		$171,200 (-) Land $10,000 Building $161,200	$171,200 (-) Land $10,000 Building $161,200
2025	$2,268.00 (-0.53%)	$171,200 (-) Land $5,000 Building $166,200	$171,200 (-) Land $5,000 Building $166,200
2023	$2,280.00	$171,200 Land $5,000 Building $166,200	$171,200 Land $5,000 Building $166,200

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 Claims	1 (1979)
Most Recent Claim	Jul 1979 · tidal / storm surge

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	Low lower than 94% of the US · lower than 95% of Kentucky
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 956 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: AT&T, T-Mobile, Verizon.

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