1832 Pearl St, Covington, KY 41014 Property Records

Kenton County property record for 1832 Pearl St, Covington, KY 41014

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,574 sqft · built 1889
Lot Size	0.052 acres (2,250 sqft)
Owner	Company Name on Record
Last Sale	$41,100 (Dec 2016)
Tax Bill	$761 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055-14-17-013.00`

Property Details

APN / Parcel Number

Primary APN	`055-14-17-013.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,574 sqft Finished Area

Exterior

Year Built	Built 1889
Effective Year Built	Effective 1889
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Stone
Roof Material	Composition Shingle
Lot Area	2,250 sqft (0.052 acres)
Lot Dimensions	90 ft deep x 25 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	1832 PEARL ST
City	COVINGTON
State	KY
Zip	41014-1212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	25'X90' ES PEARL 345' S 18TH M.L. HAWTHORNE
Legal Subdivision	SOUTHGATE RICHARD
Legal Phase	27
Legal Lot Number	6
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2004
Census Tract	60900

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	Company Name on Record
Mailing Address	26 VON ZUBEN CT, FORT THOMAS, KY 41075-2418
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage US BANK NA
Apr 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2016 · Amount on Record
Deed Sale	Dec 6, 2016 · Amount on Record
Prior Sale	Sep 9, 2003 · Amount on Record
Deed Document Number	201612 06 059 00183
Deed Book / Page	6046 / 340
Prior Transfer Date	Aug 25, 2003
Prior Transfer Doc	0909059003
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1832 PEARL ST, COVINGTON, KY 41014-1212
Transaction Type	Mortgage
Record Updated	May 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900202
Date	Apr 30, 2021
Book Page	87/729
Instrument	21043005900202

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Mar 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	1832 PEARL ST, COVINGTON, KY 41014-1212
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005900201
Date	Apr 30, 2021
Book Page	209/966
Instrument	21043005900201

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54901

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Mar 28, 2026

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		$165,400 (+187.65%) Land $10,000 Building $155,400	$165,400 (+187.65%) Land $10,000 Building $155,400
2025	$761.00 (-0.52%)	$57,500 (-) Land $5,000 Building $52,500	$57,500 (-) Land $5,000 Building $52,500
2023	$765.00	$57,500 Land $5,000 Building $52,500	$57,500 Land $5,000 Building $52,500

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 1,077 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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