1821 Jefferson Ave, Covington, KY 41014 Property Records

Kenton County property record for 1821 Jefferson Ave, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 1927
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on File
Last Sale	$242,000 (Apr 2026)
Tax Bill	$2,517 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055-12-06-011.00`

Property Details

APN / Parcel Number

Primary APN	`055-12-06-011.00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,116 sqft Finished Area
Gross Area	1,570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	8,800 sqft (0.202 acres)
Lot Dimensions	100 ft deep x 88 ft wide
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	1821 JEFFERSON AVE
City	COVINGTON
State	KY
Zip	41014-1035
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWTHORN ADDN LOTS 85-86 & PT LOT 84 88'X 100' IRREG
Legal Subdivision	HAWTHORN ADDN
Legal Lot Number	86,84
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	4
Census Block	4014
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

1821 Jefferson Ave is owned and occupied by two individuals who bought it in April 2026.

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	1821 JEFFERSON AVE, COVINGTON, KY 41014-1035
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONS RELIABLE LENDING LLC
Jul 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Aug 6, 2021 · Amount on File
Deed Document Number	20268203
Deed Book / Page	418 / 940
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 28, 2026
Property Address	1821 JEFFERSON AVE, COVINGTON, KY 41014-1035
Document Number	0000008203
Book / Page	418 / 940
Instrument Date	Apr 17, 2026
Instrument	20268203
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	360 AMERICAN TITLE SERVICES, 360 AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$24,442.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1821 JEFFERSON AVE, COVINGTON, KY 41014-1035

Mortgage

Document Number	0000008204,
Date	Apr 28, 2026
Instrument	202604288204

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Aug 6, 2021
Property Address	1821 JEFFERSON AVE, COVINGTON, KY 41014-1035
Document Number	0005900102
Book / Page	109 / 139
Map Reference	PL 62
Instrument Date	Jul 30, 2021
Instrument	21080605900102
Transaction Type	Transfer
Record Updated	Aug 20, 2021
Title Company	CTP

Transaction

Amount	Amount on Record
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	1821 JEFFERSON AVE, 1821, COVINGTON, KY 41014-1035

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900103
Date	Aug 6, 2021
Instrument	21080605900103

Lender

Name	NATIONS RELIABLE LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1821 JEFFERSON AVE, COVINGTON, KY 41014-1035
Document Number	0000000176
Instrument Date	Jul 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018
Title Company	AGILITY CLOSING AND TITLE SERVICES I

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1821 JEFFERSON AVE COVINGTON KY 410141035, COVINGTON, KY 41014-1035

Mortgage

Document Number	0000000176
Date	Jul 10, 2018
Book Page	0C6449/000296
Instrument	176

Lender

Name	GUARDIAN SVGS BK
Type	Federal Savings Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1821 Jefferson Ave was $2,517.

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		$190,000 (-) Land $10,000 Building $180,000	$190,000 (-) Land $10,000 Building $180,000
2025	$2,517.00	$190,000 Land $5,000 Building $185,000	$190,000 Land $5,000 Building $185,000
2023	$2,530.00	$190,000 Land $5,000 Building $185,000	$190,000 Land $5,000 Building $185,000

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

Flood

FEMA maps place 1821 Jefferson Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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

Wildfire risk around 1821 Jefferson Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.3% 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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