1886 Ray's Ln, Covington, KY 41011 Property Records

Kenton County property record for 1886 Ray's Ln, Covington, KY 41011 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1955
Square Footage	1,456 sqft Finished Area
Lot Size	11,280 sqft (0.258 acres)
Occupancy	Owner Occupied
Last Sale	$160,000 (2019)
Tax Bill	$2,650.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`041-40-30-021.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Partial Baths	1 Partial Baths
Building Area	1,456 sqft Finished Area
Stories	1 Stories

Exterior

Year Built	Built 1955
Exterior Material	Aluminum/Vinyl Exterior
Foundation Type	Concrete Foundation
Roof Material	Composition Shingle Roof
Lot Area	11,280 sqft (0.258 acres)
Depth X Width	141 ft x 80 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Basement Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Old Parcel Number	0414030021.00
Street Address	1886 RAYS LN
City	COVINGTON
State	KY
Zip	41011-4021
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	80X141FT ON ES RAY ST 150FT S OF LOT 20 TRENKAMP SUB TRACT D
Legal Subdivision	TRENKAMP SUB
Legal Tract	D
Legal Lot Number	20
Jurisdiction	KENTON KY
Minor Civil Division	COVINGTON
Census Blockgroup	1
Census Block	1006
Census Tract	65100

Owner

Source: Kenton County records · APN 041-40-30-021.00

Assessment roll updated April 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1886 RAYS LN, COVINGTON, KY 41011-4021
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2019 · Amount on Record
Deed Sale	Jul 30, 2019 · Amount on Record
Prior Sale	Jul 31, 2014 · Amount on Record
Deed Doc Number	0006716262
Deed Book / Page	6716 / 262
Record Refreshed	Jun 08, 2026

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KENTON KY
Recording Date	Jul 30, 2019
Property Address	1886 RAYS LN, COVINGTON, KY 41011-4021
Document Number	0000000046
Book / Page	0C6716 / 000262
Instrument Date	Jul 26, 2019
Instrument	46
Transaction Type	Transfer
Record Updated	Aug 15, 2019
Title Company	KENTUCKY LAND TITLE AGENCY, KENTUCKY LAND TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1886 RAYS LN COVINGTON KY 410114021, COVINGTON, KY 41011-4021

Mortgage

Document Number	51
Date	Jul 30, 2019
Book Page	0C6716/000265
Instrument	51

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 29, 2034

Tax Assessment & Valuation

Source: Kenton County records · Assessment roll updated April 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,650.00 (-0.53%)	$200,000 (-) Land $10,000 Building $190,000	$200,000 (-) Land $10,000 Building $190,000
2023	$2,664.00	$200,000 Land $10,000 Building $190,000	$200,000 Land $10,000 Building $190,000

Flood & Wildfire

1886 Ray's Ln is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Kenton County (21117C), updated June 19, 2015

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 37th in Kentucky
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.